Call reports 2006
PACIFIC INTERNATIONAL BANK — 2006
What PACIFIC INTERNATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 149,079,000 | 167,440,000 | 178,411,000 | 221,542,000 |
| Total loans | 113,252,000 | 131,325,000 | 143,521,000 | 158,739,000 |
| Allowance for loan losses | 1,442,000 | 1,569,000 | 1,709,000 | 1,938,000 |
| Securities available for sale | 18,082,000 | 18,044,000 | 17,678,000 | 22,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,996,000 | 123,544,000 | 122,495,000 | 152,835,000 |
| Interest-bearing deposits | 100,708,000 | 111,878,000 | 110,548,000 | 138,252,000 |
| Noninterest-bearing deposits | 9,288,000 | 11,666,000 | 11,947,000 | 14,583,000 |
| Equity capital | 16,220,000 | 16,915,000 | 22,203,000 | 23,777,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,607,000 | 5,756,000 | 9,277,000 | 13,263,000 |
| Interest expense | 1,030,000 | 2,346,000 | 3,908,000 | 5,773,000 |
| Net interest income | 1,577,000 | 3,410,000 | 5,369,000 | 7,490,000 |
| Noninterest income | 575,000 | 1,080,000 | 1,318,000 | 1,711,000 |
| Noninterest expense | 1,145,000 | 2,241,000 | 3,325,000 | 4,354,000 |
| Provision for loan losses | 240,000 | 367,000 | 507,000 | 750,000 |
| Pretax income | 767,000 | 1,882,000 | 2,855,000 | 4,097,000 |
| Income tax | 236,000 | 633,000 | 963,000 | 1,385,000 |
| Net income | 531,000 | 1,249,000 | 1,892,000 | 2,712,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,165,000 | 16,869,000 | 22,114,000 | 23,689,000 |
| Total capital | 17,607,000 | 18,438,000 | 23,823,000 | 25,627,000 |
| Risk-weighted assets | 119,761,000 | 134,033,000 | 145,098,000 | 163,900,000 |