Call reports 2016
CALIFORNIA BUSINESS BANK — 2016
What CALIFORNIA BUSINESS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 82,647,000 | 88,701,000 | 82,122,000 | 79,667,000 |
| Total loans | 60,023,000 | 51,914,000 | 58,212,000 | 60,647,000 |
| Allowance for loan losses | 2,175,000 | 2,177,000 | 1,679,000 | 1,649,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,433,000 | 66,307,000 | 59,672,000 | 57,832,000 |
| Interest-bearing deposits | 56,507,000 | 59,692,000 | 52,581,000 | 50,804,000 |
| Noninterest-bearing deposits | 4,925,000 | 6,615,000 | 7,092,000 | 7,028,000 |
| Equity capital | 10,600,000 | 11,251,000 | 12,102,000 | 11,487,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 721,000 | 1,277,000 | 1,931,000 | 2,629,000 |
| Interest expense | 139,000 | 286,000 | 429,000 | 556,000 |
| Net interest income | 582,000 | 991,000 | 1,502,000 | 2,073,000 |
| Noninterest income | 10,000 | 37,000 | 68,000 | 92,000 |
| Noninterest expense | 1,414,000 | 2,793,000 | 4,095,000 | 5,312,000 |
| Provision for loan losses | 0 | 0 | -500,000 | -500,000 |
| Pretax income | -822,000 | -1,765,000 | -2,025,000 | -2,647,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | -822,000 | -1,766,000 | -2,026,000 | -2,648,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,586,000 | 11,239,000 | 12,092,000 | 11,487,000 |
| Total capital | 11,278,000 | 11,868,000 | 12,754,000 | 12,191,000 |
| Risk-weighted assets | 53,806,000 | 48,707,000 | 51,899,000 | 55,323,000 |