Call reports 2015
CALIFORNIA BUSINESS BANK — 2015
What CALIFORNIA BUSINESS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 80,384,000 | 75,849,000 | 78,181,000 | 80,502,000 |
| Total loans | 63,287,000 | 60,847,000 | 57,674,000 | 58,193,000 |
| Allowance for loan losses | 2,315,000 | 2,316,000 | 2,316,000 | 2,317,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,987,000 | 53,685,000 | 56,301,000 | 58,458,000 |
| Interest-bearing deposits | 52,903,000 | 48,640,000 | 49,699,000 | 54,636,000 |
| Noninterest-bearing deposits | 4,084,000 | 5,045,000 | 6,602,000 | 3,822,000 |
| Equity capital | 11,937,000 | 11,358,000 | 11,172,000 | 11,322,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 695,000 | 1,435,000 | 2,213,000 | 2,959,000 |
| Interest expense | 116,000 | 235,000 | 363,000 | 501,000 |
| Net interest income | 579,000 | 1,200,000 | 1,850,000 | 2,458,000 |
| Noninterest income | 122,000 | 166,000 | 214,000 | 129,000 |
| Noninterest expense | 1,386,000 | 2,675,000 | 4,219,000 | 5,741,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -685,000 | -1,309,000 | -2,155,000 | -3,154,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | -685,000 | -1,310,000 | -2,156,000 | -3,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,862,000 | 11,301,000 | 11,157,000 | 11,310,000 |
| Total capital | 12,481,000 | 11,898,000 | 11,719,000 | 11,946,000 |
| Risk-weighted assets | 47,762,000 | 45,996,000 | 43,180,000 | 49,172,000 |