Call reports 2012
CALIFORNIA BUSINESS BANK — 2012
What CALIFORNIA BUSINESS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 89,064,000 | 66,221,000 | 57,910,000 | 56,753,000 |
| Total loans | 56,362,000 | 50,878,000 | 46,959,000 | 43,492,000 |
| Allowance for loan losses | 3,426,000 | 1,864,000 | 2,103,000 | 2,372,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,441,000 | 60,934,000 | 54,816,000 | 50,090,000 |
| Interest-bearing deposits | 59,382,000 | 44,411,000 | 40,528,000 | 42,491,000 |
| Noninterest-bearing deposits | 25,059,000 | 16,524,000 | 14,288,000 | 7,600,000 |
| Equity capital | 4,413,000 | 3,569,000 | 2,701,000 | 1,916,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 870,000 | 1,722,000 | 2,482,000 | 3,198,000 |
| Interest expense | 154,000 | 265,000 | 363,000 | 445,000 |
| Net interest income | 716,000 | 1,457,000 | 2,119,000 | 2,753,000 |
| Noninterest income | 25,000 | -234,000 | -194,000 | -205,000 |
| Noninterest expense | 1,181,000 | 2,290,000 | 3,503,000 | 4,912,000 |
| Provision for loan losses | 150,000 | 366,000 | 723,000 | 723,000 |
| Pretax income | -590,000 | -1,433,000 | -2,301,000 | -3,087,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | -590,000 | -1,434,000 | -2,302,000 | -3,088,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,413,000 | 3,569,000 | 2,701,000 | 1,916,000 |
| Total capital | 5,159,000 | 4,232,000 | 3,321,000 | 2,461,000 |
| Risk-weighted assets | 56,937,000 | 51,826,000 | 48,075,000 | 41,726,000 |