Call reports 2007
PACIFIC INTERNATIONAL BANK — 2007
What PACIFIC INTERNATIONAL BANK 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 | 235,595,000 | 240,582,000 | 242,068,000 | 259,298,000 |
| Total loans | 170,747,000 | 175,536,000 | 183,705,000 | 204,052,000 |
| Allowance for loan losses | 2,049,000 | 2,106,000 | 2,132,000 | 2,267,000 |
| Securities available for sale | 27,729,000 | 29,117,000 | 28,088,000 | 21,464,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,853,000 | 170,425,000 | 171,227,000 | 188,456,000 |
| Interest-bearing deposits | 150,184,000 | 154,344,000 | 153,182,000 | 170,050,000 |
| Noninterest-bearing deposits | 15,669,000 | 16,081,000 | 18,045,000 | 18,406,000 |
| Equity capital | 24,578,000 | 25,424,000 | 26,332,000 | 26,395,000 |
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 | 4,487,000 | 9,403,000 | 14,262,000 | 18,951,000 |
| Interest expense | 2,217,000 | 4,565,000 | 6,998,000 | 9,480,000 |
| Net interest income | 2,270,000 | 4,838,000 | 7,264,000 | 9,471,000 |
| Noninterest income | 210,000 | 560,000 | 779,000 | 1,202,000 |
| Noninterest expense | 1,221,000 | 2,510,000 | 3,834,000 | 5,212,000 |
| Provision for loan losses | 97,000 | 249,000 | 336,000 | 485,000 |
| Pretax income | 1,162,000 | 2,639,000 | 3,873,000 | 4,976,000 |
| Income tax | 388,000 | 886,000 | 1,302,000 | 1,773,000 |
| Net income | 774,000 | 1,753,000 | 2,571,000 | 3,203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,460,000 | 25,333,000 | 26,164,000 | 26,207,000 |
| Total capital | 26,509,000 | 27,439,000 | 28,296,000 | 28,474,000 |
| Risk-weighted assets | 177,163,000 | 182,363,000 | 189,954,000 | 208,776,000 |