Call reports 2015
PACIFIC COAST BANKERS' BANK — 2015
What PACIFIC COAST BANKERS' BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 671,805,000 | 627,907,000 | 793,075,000 | 665,425,000 |
| Total loans | 253,555,000 | 254,473,000 | 258,469,000 | 271,545,000 |
| Allowance for loan losses | 3,818,000 | 4,442,000 | 4,450,000 | 4,476,000 |
| Securities available for sale | 76,036,000 | 83,750,000 | 78,341,000 | 73,561,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 512,087,000 | 495,038,000 | 628,216,000 | 521,782,000 |
| Interest-bearing deposits | 83,419,000 | 83,947,000 | 67,585,000 | 61,358,000 |
| Noninterest-bearing deposits | 428,668,000 | 411,091,000 | 560,631,000 | 460,424,000 |
| Equity capital | 69,779,000 | 67,060,000 | 68,708,000 | 67,068,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,243,000 | 7,326,000 | 10,834,000 | 14,346,000 |
| Interest expense | 168,000 | 369,000 | 559,000 | 745,000 |
| Net interest income | 3,075,000 | 6,957,000 | 10,275,000 | 13,601,000 |
| Noninterest income | 1,508,000 | 6,922,000 | 12,466,000 | 17,945,000 |
| Noninterest expense | 3,387,000 | 9,928,000 | 16,119,000 | 22,570,000 |
| Provision for loan losses | 0 | 0 | 0 | -400,000 |
| Pretax income | 1,196,000 | 3,951,000 | 6,622,000 | 9,376,000 |
| Income tax | 450,000 | 1,517,000 | 2,547,000 | 3,809,000 |
| Net income | 746,000 | 2,434,000 | 4,075,000 | 5,567,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,076,000 | 66,539,000 | 68,180,000 | 66,677,000 |
| Total capital | 72,915,000 | 70,774,000 | 72,660,000 | 71,184,000 |
| Risk-weighted assets | 351,165,000 | 338,571,000 | 377,916,000 | 373,963,000 |