Call reports 2005
PACIFIC INTERNATIONAL BANK — 2005
What PACIFIC INTERNATIONAL 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 | 111,507,000 | 116,992,000 | 125,532,000 | 137,866,000 |
| Total loans | 80,740,000 | 85,199,000 | 92,220,000 | 102,579,000 |
| Allowance for loan losses | 987,000 | 1,057,000 | 1,137,000 | 1,152,000 |
| Securities available for sale | 17,044,000 | 17,197,000 | 17,207,000 | 20,152,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,045,000 | 86,505,000 | 94,450,000 | 100,417,000 |
| Interest-bearing deposits | 84,843,000 | 79,309,000 | 86,103,000 | 91,228,000 |
| Noninterest-bearing deposits | 6,202,000 | 7,196,000 | 8,347,000 | 9,189,000 |
| Equity capital | 10,040,000 | 14,708,000 | 15,405,000 | 15,848,000 |
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 | 1,583,000 | 3,388,000 | 5,468,000 | 7,774,000 |
| Interest expense | 565,000 | 1,238,000 | 1,992,000 | 2,874,000 |
| Net interest income | 1,018,000 | 2,150,000 | 3,476,000 | 4,900,000 |
| Noninterest income | 89,000 | 485,000 | 1,089,000 | 1,358,000 |
| Noninterest expense | 754,000 | 1,536,000 | 2,395,000 | 3,254,000 |
| Provision for loan losses | 53,000 | 178,000 | 258,000 | 328,000 |
| Pretax income | 300,000 | 921,000 | 1,912,000 | 2,676,000 |
| Income tax | 0 | 61,000 | 306,000 | 628,000 |
| Net income | 300,000 | 860,000 | 1,606,000 | 2,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,188,000 | 14,579,000 | 15,303,000 | 15,763,000 |
| Total capital | 11,175,000 | 15,636,000 | 16,440,000 | 16,915,000 |
| Risk-weighted assets | 86,059,000 | 88,786,000 | 97,265,000 | 109,590,000 |