Call reports 2012
PACIFIC COAST BANKERS' BANK — 2012
What PACIFIC COAST BANKERS' BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 658,183,000 | 634,902,000 | 665,765,000 | 641,088,000 |
| Total loans | 173,152,000 | 183,477,000 | 193,199,000 | 196,856,000 |
| Allowance for loan losses | 4,962,000 | 5,109,000 | 4,830,000 | 5,269,000 |
| Securities available for sale | 141,826,000 | 134,115,000 | 119,900,000 | 110,057,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 509,982,000 | 472,545,000 | 511,599,000 | 495,232,000 |
| Interest-bearing deposits | 35,203,000 | 36,891,000 | 40,401,000 | 43,046,000 |
| Noninterest-bearing deposits | 474,779,000 | 435,654,000 | 471,198,000 | 452,186,000 |
| Equity capital | 69,754,000 | 70,762,000 | 71,867,000 | 70,714,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,202,000 | 6,602,000 | 9,842,000 | 14,109,000 |
| Interest expense | 66,000 | 134,000 | 208,000 | 271,000 |
| Net interest income | 3,136,000 | 6,468,000 | 9,634,000 | 13,838,000 |
| Noninterest income | 1,892,000 | 4,106,000 | 6,418,000 | 8,916,000 |
| Noninterest expense | 3,624,000 | 7,340,000 | 11,292,000 | 15,081,000 |
| Provision for loan losses | 0 | 130,000 | 130,000 | 552,000 |
| Pretax income | 1,404,000 | 3,104,000 | 4,630,000 | 7,121,000 |
| Income tax | 513,000 | 1,148,000 | 1,686,000 | 2,680,000 |
| Net income | 891,000 | 1,956,000 | 2,944,000 | 4,441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,088,000 | 69,165,000 | 70,166,000 | 69,337,000 |
| Total capital | 71,012,000 | 72,222,000 | 73,351,000 | 72,604,000 |
| Risk-weighted assets | 231,760,000 | 242,409,000 | 253,164,000 | 259,204,000 |