Call reports 2013
PACIFIC COAST BANKERS' BANK — 2013
What PACIFIC COAST BANKERS' BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 618,977,000 | 613,199,000 | 567,355,000 | 538,267,000 |
| Total loans | 194,406,000 | 188,838,000 | 191,462,000 | 203,908,000 |
| Allowance for loan losses | 4,706,000 | 4,558,000 | 4,704,000 | 4,340,000 |
| Securities available for sale | 95,819,000 | 87,682,000 | 95,065,000 | 88,733,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 480,791,000 | 503,466,000 | 467,856,000 | 421,295,000 |
| Interest-bearing deposits | 39,452,000 | 45,164,000 | 48,904,000 | 35,478,000 |
| Noninterest-bearing deposits | 441,339,000 | 458,302,000 | 418,952,000 | 385,817,000 |
| Equity capital | 71,129,000 | 68,892,000 | 70,339,000 | 71,228,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,866,000 | 5,814,000 | 8,639,000 | 11,704,000 |
| Interest expense | 56,000 | 112,000 | 168,000 | 202,000 |
| Net interest income | 2,810,000 | 5,702,000 | 8,471,000 | 11,502,000 |
| Noninterest income | 2,227,000 | 4,765,000 | 7,128,000 | 9,475,000 |
| Noninterest expense | 3,940,000 | 7,882,000 | 11,279,000 | 15,168,000 |
| Provision for loan losses | 173,000 | 173,000 | 173,000 | 173,000 |
| Pretax income | 924,000 | 2,412,000 | 4,147,000 | 5,636,000 |
| Income tax | 281,000 | 775,000 | 1,380,000 | 1,914,000 |
| Net income | 643,000 | 1,637,000 | 2,767,000 | 3,722,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,980,000 | 68,475,000 | 69,604,000 | 70,655,000 |
| Total capital | 73,115,000 | 71,482,000 | 72,694,000 | 73,888,000 |
| Risk-weighted assets | 249,259,000 | 238,997,000 | 245,553,000 | 257,475,000 |
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