Call reports 2008
PACIFIC INTERNATIONAL BANK — 2008
What PACIFIC INTERNATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 246,749,000 | 247,300,000 | 247,409,000 | 271,939,000 |
| Total loans | 209,376,000 | 220,414,000 | 221,234,000 | 234,478,000 |
| Allowance for loan losses | 2,575,000 | 2,920,000 | 2,979,000 | 3,345,000 |
| Securities available for sale | 16,170,000 | 10,018,000 | 7,963,000 | 9,610,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,717,000 | 176,555,000 | 165,707,000 | 185,369,000 |
| Interest-bearing deposits | 159,924,000 | 156,466,000 | 146,617,000 | 167,219,000 |
| Noninterest-bearing deposits | 16,793,000 | 20,089,000 | 19,090,000 | 18,150,000 |
| Equity capital | 25,826,000 | 26,269,000 | 26,927,000 | 32,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,516,000 | 8,928,000 | 13,500,000 | 17,444,000 |
| Interest expense | 2,425,000 | 4,463,000 | 6,345,000 | 8,321,000 |
| Net interest income | 2,091,000 | 4,465,000 | 7,155,000 | 9,123,000 |
| Noninterest income | 210,000 | 823,000 | 1,286,000 | 2,549,000 |
| Noninterest expense | 1,369,000 | 3,088,000 | 4,883,000 | 6,703,000 |
| Provision for loan losses | 346,000 | 691,000 | 898,000 | 1,442,000 |
| Pretax income | 586,000 | 1,509,000 | 2,660,000 | 3,553,000 |
| Income tax | 197,000 | 510,000 | 899,000 | 1,258,000 |
| Net income | 389,000 | 999,000 | 1,761,000 | 2,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,498,000 | 26,073,000 | 26,744,000 | 32,228,000 |
| Total capital | 28,073,000 | 28,820,000 | 29,530,000 | 35,191,000 |
| Risk-weighted assets | 207,269,000 | 219,570,000 | 222,716,000 | 236,628,000 |