Call reports 2005
CALIFORNIA COMMUNITY BANK — 2005
What CALIFORNIA COMMUNITY BANK 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 | 59,302,000 | 75,078,000 | 91,616,000 | 93,997,000 |
| Total loans | 40,926,000 | 51,246,000 | 54,207,000 | 69,154,000 |
| Allowance for loan losses | 456,000 | 578,000 | 623,000 | 812,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,389,000 | 66,180,000 | 82,610,000 | 72,255,000 |
| Interest-bearing deposits | 40,301,000 | 53,108,000 | 53,956,000 | 50,450,000 |
| Noninterest-bearing deposits | 10,088,000 | 13,072,000 | 28,654,000 | 21,805,000 |
| Equity capital | 8,598,000 | 8,540,000 | 8,652,000 | 21,366,000 |
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 | 722,000 | 1,699,000 | 2,998,000 | 4,514,000 |
| Interest expense | 196,000 | 469,000 | 875,000 | 1,261,000 |
| Net interest income | 526,000 | 1,230,000 | 2,123,000 | 3,253,000 |
| Noninterest income | 21,000 | 40,000 | 60,000 | 85,000 |
| Noninterest expense | 673,000 | 1,423,000 | 2,182,000 | 2,986,000 |
| Provision for loan losses | 53,000 | 175,000 | 220,000 | 409,000 |
| Pretax income | -179,000 | -328,000 | -219,000 | -57,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | -179,000 | -329,000 | -220,000 | -58,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,598,000 | 8,540,000 | 8,652,000 | 21,366,000 |
| Total capital | 9,087,000 | 9,151,000 | 9,308,000 | 22,211,000 |
| Risk-weighted assets | 41,522,000 | 52,471,000 | 58,794,000 | 71,577,000 |