Call reports 2005
1ST PACIFIC BANK OF CALIFORNIA — 2005
What 1ST PACIFIC BANK OF CALIFORNIA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 229,241,000 | 233,389,000 | 255,242,000 | 265,582,000 |
| Total loans | 191,263,000 | 199,494,000 | 227,859,000 | 230,382,000 |
| Allowance for loan losses | 2,453,000 | 2,577,000 | 2,736,000 | 2,809,000 |
| Securities available for sale | 5,514,000 | 5,133,000 | 4,502,000 | 3,145,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,296,000 | 206,889,000 | 210,457,000 | 237,208,000 |
| Interest-bearing deposits | 145,097,000 | 148,910,000 | 153,597,000 | 182,435,000 |
| Noninterest-bearing deposits | 58,199,000 | 57,979,000 | 56,860,000 | 54,773,000 |
| Equity capital | 20,140,000 | 20,762,000 | 21,465,000 | 22,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,506,000 | 7,337,000 | 11,750,000 | 16,695,000 |
| Interest expense | 732,000 | 1,612,000 | 2,719,000 | 4,125,000 |
| Net interest income | 2,774,000 | 5,725,000 | 9,031,000 | 12,570,000 |
| Noninterest income | 102,000 | 187,000 | 305,000 | 491,000 |
| Noninterest expense | 1,977,000 | 4,047,000 | 6,108,000 | 8,532,000 |
| Provision for loan losses | 187,000 | 312,000 | 482,000 | 553,000 |
| Pretax income | 712,000 | 1,553,000 | 2,746,000 | 3,976,000 |
| Income tax | 290,000 | 633,000 | 1,121,000 | 1,626,000 |
| Net income | 422,000 | 920,000 | 1,625,000 | 2,350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,185,000 | 20,788,000 | 21,497,000 | 22,264,000 |
| Total capital | 27,637,000 | 28,365,000 | 29,233,000 | 30,073,000 |
| Risk-weighted assets | 203,557,000 | 206,968,000 | 246,462,000 | 247,282,000 |