Call reports 2004
1ST PACIFIC BANK OF CALIFORNIA — 2004
What 1ST PACIFIC BANK OF CALIFORNIA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 152,960,000 | 175,064,000 | 195,427,000 | 209,709,000 |
| Total loans | 131,627,000 | 148,730,000 | 173,760,000 | 188,552,000 |
| Allowance for loan losses | 1,591,000 | 1,771,000 | 1,955,000 | 2,265,000 |
| Securities available for sale | 10,026,000 | 8,911,000 | 6,404,000 | 5,940,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,394,000 | 151,470,000 | 172,182,000 | 180,291,000 |
| Interest-bearing deposits | 93,387,000 | 107,061,000 | 137,056,000 | 138,009,000 |
| Noninterest-bearing deposits | 36,007,000 | 44,409,000 | 35,126,000 | 42,282,000 |
| Equity capital | 15,342,000 | 18,516,000 | 19,292,000 | 19,697,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,133,000 | 4,474,000 | 7,157,000 | 10,363,000 |
| Interest expense | 342,000 | 731,000 | 1,233,000 | 1,923,000 |
| Net interest income | 1,791,000 | 3,743,000 | 5,924,000 | 8,440,000 |
| Noninterest income | 73,000 | 206,000 | 294,000 | 427,000 |
| Noninterest expense | 1,422,000 | 2,843,000 | 4,323,000 | 5,993,000 |
| Provision for loan losses | 150,000 | 330,000 | 540,000 | 850,000 |
| Pretax income | 317,000 | 801,000 | 1,394,000 | 2,063,000 |
| Income tax | 131,000 | 324,000 | 570,000 | 837,000 |
| Net income | 186,000 | 477,000 | 824,000 | 1,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,157,000 | 18,577,000 | 19,291,000 | 19,717,000 |
| Total capital | 16,748,000 | 20,348,000 | 21,246,000 | 21,982,000 |
| Risk-weighted assets | 149,147,000 | 168,626,000 | 180,648,000 | 196,323,000 |