Call reports 2004
BANK OF THE PACIFIC — 2004
What BANK OF THE PACIFIC reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 414,696,000 | 423,506,000 | 423,175,000 | 437,742,000 |
| Total loans | 323,082,000 | 331,850,000 | 336,017,000 | 344,026,000 |
| Allowance for loan losses | 3,466,000 | 3,761,000 | 4,060,000 | 4,236,000 |
| Securities available for sale | 43,919,000 | 40,479,000 | 39,124,000 | 35,780,000 |
| Securities held to maturity | 7,940,000 | 8,264,000 | 8,037,000 | 7,210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,779,000 | 343,931,000 | 352,101,000 | 368,511,000 |
| Interest-bearing deposits | 278,569,000 | 276,436,000 | 277,435,000 | 291,790,000 |
| Noninterest-bearing deposits | 61,210,000 | 67,495,000 | 74,666,000 | 76,721,000 |
| Equity capital | 43,242,000 | 44,201,000 | 43,242,000 | 44,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,837,000 | 11,047,000 | 17,314,000 | 23,899,000 |
| Interest expense | 879,000 | 1,957,000 | 3,106,000 | 4,379,000 |
| Net interest income | 3,958,000 | 9,090,000 | 14,208,000 | 19,520,000 |
| Noninterest income | 568,000 | 1,441,000 | 2,317,000 | 3,159,000 |
| Noninterest expense | 2,556,000 | 6,035,000 | 9,644,000 | 13,299,000 |
| Provision for loan losses | 70,000 | 370,000 | 670,000 | 970,000 |
| Pretax income | 1,903,000 | 4,129,000 | 6,214,000 | 8,413,000 |
| Income tax | 479,000 | 884,000 | 1,775,000 | 2,535,000 |
| Net income | 1,424,000 | 3,245,000 | 4,439,000 | 5,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,516,000 | 32,341,000 | 31,345,000 | 32,197,000 |
| Total capital | 33,982,000 | 36,102,000 | 35,405,000 | 36,433,000 |
| Risk-weighted assets | 325,709,000 | 339,851,000 | 351,418,000 | 362,461,000 |