Call reports 2005
BANK OF THE PACIFIC — 2005
What BANK OF THE PACIFIC reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 451,644,000 | 459,682,000 | 485,259,000 | 486,725,000 |
| Total loans | 344,891,000 | 363,866,000 | 390,038,000 | 406,831,000 |
| Allowance for loan losses | 4,544,000 | 4,842,000 | 5,143,000 | 5,296,000 |
| Securities available for sale | 34,843,000 | 32,260,000 | 31,073,000 | 29,746,000 |
| Securities held to maturity | 7,049,000 | 6,881,000 | 6,668,000 | 6,504,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 383,880,000 | 386,005,000 | 411,726,000 | 404,574,000 |
| Interest-bearing deposits | 305,480,000 | 309,945,000 | 321,866,000 | 313,461,000 |
| Noninterest-bearing deposits | 78,400,000 | 76,060,000 | 89,860,000 | 91,113,000 |
| Equity capital | 45,609,000 | 47,277,000 | 46,635,000 | 51,076,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,585,000 | 13,790,000 | 21,576,000 | 29,469,000 |
| Interest expense | 1,458,000 | 3,150,000 | 5,066,000 | 7,184,000 |
| Net interest income | 5,127,000 | 10,640,000 | 16,510,000 | 22,285,000 |
| Noninterest income | 877,000 | 1,918,000 | 3,120,000 | 4,078,000 |
| Noninterest expense | 3,863,000 | 7,893,000 | 12,233,000 | 16,361,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,100,000 |
| Pretax income | 1,850,000 | 4,067,000 | 6,499,000 | 8,904,000 |
| Income tax | 545,000 | 1,195,000 | 1,947,000 | 2,722,000 |
| Net income | 1,305,000 | 2,872,000 | 4,552,000 | 6,182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,551,000 | 35,149,000 | 34,549,000 | 39,168,000 |
| Total capital | 38,095,000 | 39,991,000 | 39,622,000 | 44,421,000 |
| Risk-weighted assets | 371,237,000 | 387,857,000 | 405,782,000 | 420,229,000 |