Call reports 2014
CALIFORNIA BUSINESS BANK — 2014
What CALIFORNIA BUSINESS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 55,191,000 | 83,290,000 | 82,485,000 | 80,836,000 |
| Total loans | 48,024,000 | 71,761,000 | 70,793,000 | 69,714,000 |
| Allowance for loan losses | 1,944,000 | 2,320,000 | 2,322,000 | 2,313,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,911,000 | 58,297,000 | 57,905,000 | 56,772,000 |
| Interest-bearing deposits | 33,216,000 | 55,009,000 | 54,698,000 | 53,056,000 |
| Noninterest-bearing deposits | 3,695,000 | 3,288,000 | 3,207,000 | 3,716,000 |
| Equity capital | 13,865,000 | 13,546,000 | 13,229,000 | 12,462,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 513,000 | 1,198,000 | 2,033,000 | 2,856,000 |
| Interest expense | 73,000 | 162,000 | 274,000 | 387,000 |
| Net interest income | 440,000 | 1,036,000 | 1,759,000 | 2,469,000 |
| Noninterest income | -144,000 | -65,000 | -26,000 | 105,000 |
| Noninterest expense | 1,103,000 | 2,212,000 | 3,389,000 | 4,998,000 |
| Provision for loan losses | 150,000 | 200,000 | 200,000 | 200,000 |
| Pretax income | -957,000 | -1,441,000 | -1,856,000 | -2,624,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | -957,000 | -1,442,000 | -1,857,000 | -2,625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,865,000 | 13,546,000 | 13,229,000 | 12,462,000 |
| Total capital | 14,366,000 | 14,195,000 | 13,864,000 | 13,102,000 |
| Risk-weighted assets | 38,545,000 | 50,220,000 | 52,834,000 | 49,816,000 |