Call reports 2003
1ST PACIFIC BANK OF CALIFORNIA — 2003
What 1ST PACIFIC BANK OF CALIFORNIA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 108,507,000 | 118,834,000 | 128,052,000 | 144,299,000 |
| Total loans | 87,748,000 | 105,940,000 | 110,294,000 | 121,127,000 |
| Allowance for loan losses | 943,000 | 1,083,000 | 1,263,000 | 1,454,000 |
| Securities available for sale | 4,970,000 | 6,739,000 | 6,310,000 | 5,591,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,671,000 | 102,564,000 | 113,797,000 | 129,409,000 |
| Interest-bearing deposits | 74,364,000 | 77,806,000 | 88,311,000 | 93,221,000 |
| Noninterest-bearing deposits | 21,307,000 | 24,758,000 | 25,486,000 | 36,188,000 |
| Equity capital | 12,637,000 | 13,225,000 | 13,818,000 | 14,362,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,480,000 | 3,203,000 | 5,123,000 | 7,089,000 |
| Interest expense | 331,000 | 680,000 | 1,031,000 | 1,362,000 |
| Net interest income | 1,149,000 | 2,523,000 | 4,092,000 | 5,727,000 |
| Noninterest income | 58,000 | 159,000 | 257,000 | 348,000 |
| Noninterest expense | 970,000 | 2,037,000 | 3,226,000 | 4,529,000 |
| Provision for loan losses | 120,000 | 260,000 | 440,000 | 630,000 |
| Pretax income | 117,000 | 385,000 | 683,000 | 929,000 |
| Income tax | -194,000 | -388,000 | -582,000 | -778,000 |
| Net income | 311,000 | 773,000 | 1,265,000 | 1,707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,569,000 | 13,058,000 | 13,687,000 | 13,909,000 |
| Total capital | 13,512,000 | 14,141,000 | 14,951,000 | 15,363,000 |
| Risk-weighted assets | 98,175,000 | 117,246,000 | 123,748,000 | 134,684,000 |