Call reports 2004
PACIFIC INTERNATIONAL BANK — 2004
What PACIFIC INTERNATIONAL BANK 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 | 68,995,000 | 78,407,000 | 102,024,000 | 109,260,000 |
| Total loans | 54,540,000 | 63,898,000 | 70,972,000 | 74,416,000 |
| Allowance for loan losses | 627,000 | 757,000 | 852,000 | 984,000 |
| Securities available for sale | 2,525,000 | 2,990,000 | 16,269,000 | 19,822,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,715,000 | 65,820,000 | 92,009,000 | 92,125,000 |
| Interest-bearing deposits | 55,749,000 | 59,797,000 | 87,246,000 | 86,945,000 |
| Noninterest-bearing deposits | 3,966,000 | 6,023,000 | 4,763,000 | 5,180,000 |
| Equity capital | 9,088,000 | 9,317,000 | 9,601,000 | 9,849,000 |
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 | 908,000 | 1,931,000 | 3,105,000 | 4,578,000 |
| Interest expense | 260,000 | 531,000 | 907,000 | 1,415,000 |
| Net interest income | 648,000 | 1,400,000 | 2,198,000 | 3,163,000 |
| Noninterest income | 60,000 | 169,000 | 384,000 | 513,000 |
| Noninterest expense | 552,000 | 1,127,000 | 1,776,000 | 2,415,000 |
| Provision for loan losses | 80,000 | 210,000 | 305,000 | 479,000 |
| Pretax income | 76,000 | 232,000 | 501,000 | 782,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 76,000 | 232,000 | 501,000 | 782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,083,000 | 9,327,000 | 9,599,000 | 9,881,000 |
| Total capital | 9,710,000 | 10,084,000 | 10,451,000 | 10,865,000 |
| Risk-weighted assets | 56,937,000 | 66,301,000 | 77,568,000 | 84,043,000 |