Call reports 2007
BANK OF THE PACIFIC — 2007
What BANK OF THE PACIFIC reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 562,338,000 | 567,205,000 | 565,749,000 | 562,983,000 |
| Total loans | 460,046,000 | 457,091,000 | 452,235,000 | 454,655,000 |
| Allowance for loan losses | 4,284,000 | 4,475,000 | 4,959,000 | 5,007,000 |
| Securities available for sale | 36,789,000 | 36,657,000 | 42,390,000 | 42,911,000 |
| Securities held to maturity | 5,217,000 | 5,117,000 | 5,073,000 | 4,329,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 466,144,000 | 469,471,000 | 472,752,000 | 472,265,000 |
| Interest-bearing deposits | 378,097,000 | 376,354,000 | 378,600,000 | 380,453,000 |
| Noninterest-bearing deposits | 88,047,000 | 93,117,000 | 94,152,000 | 91,812,000 |
| Equity capital | 62,995,000 | 64,520,000 | 66,722,000 | 63,084,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 9,779,000 | 20,100,000 | 30,404,000 | 40,025,000 |
| Interest expense | 3,548,000 | 7,329,000 | 11,071,000 | 14,608,000 |
| Net interest income | 6,231,000 | 12,771,000 | 19,333,000 | 25,417,000 |
| Noninterest income | 959,000 | 2,102,000 | 3,158,000 | 4,467,000 |
| Noninterest expense | 4,733,000 | 9,847,000 | 14,789,000 | 20,056,000 |
| Provision for loan losses | 257,000 | 362,000 | 422,000 | 482,000 |
| Pretax income | 2,180,000 | 4,644,000 | 7,260,000 | 9,326,000 |
| Income tax | 340,000 | 947,000 | 1,634,000 | 2,086,000 |
| Net income | 1,840,000 | 3,697,000 | 5,626,000 | 7,240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,031,000 | 51,902,000 | 53,863,000 | 50,210,000 |
| Total capital | 54,315,000 | 56,377,000 | 58,822,000 | 55,217,000 |
| Risk-weighted assets | 440,937,000 | 436,854,000 | 433,600,000 | 445,992,000 |