Call reports 2003
PACIFIC GLOBAL BANK — 2003
What PACIFIC GLOBAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 77,553,000 | 81,706,000 | 84,573,000 | 88,124,000 |
| Total loans | 53,049,000 | 60,645,000 | 64,991,000 | 67,314,000 |
| Allowance for loan losses | 685,000 | 737,000 | 807,000 | 874,000 |
| Securities available for sale | 9,712,000 | 10,041,000 | 9,982,000 | 9,923,000 |
| Securities held to maturity | 854,000 | 604,000 | 604,000 | 604,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,318,000 | 73,266,000 | 75,938,000 | 78,563,000 |
| Interest-bearing deposits | 62,108,000 | 65,762,000 | 66,065,000 | 70,603,000 |
| Noninterest-bearing deposits | 7,210,000 | 7,504,000 | 9,873,000 | 7,960,000 |
| Equity capital | 6,996,000 | 7,284,000 | 7,439,000 | 8,549,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,102,000 | 2,276,000 | 3,477,000 | 4,709,000 |
| Interest expense | 329,000 | 665,000 | 980,000 | 1,294,000 |
| Net interest income | 773,000 | 1,611,000 | 2,497,000 | 3,415,000 |
| Noninterest income | 71,000 | 138,000 | 206,000 | 279,000 |
| Noninterest expense | 473,000 | 1,063,000 | 1,599,000 | 2,263,000 |
| Provision for loan losses | 35,000 | 90,000 | 155,000 | 205,000 |
| Pretax income | 336,000 | 597,000 | 950,000 | 1,227,000 |
| Income tax | 130,000 | 231,000 | 365,000 | 459,000 |
| Net income | 206,000 | 366,000 | 585,000 | 768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,847,000 | 7,124,000 | 7,309,000 | 8,446,000 |
| Total capital | 7,395,000 | 7,740,000 | 7,969,000 | 9,143,000 |
| Risk-weighted assets | 43,679,000 | 49,147,000 | 52,673,000 | 55,596,000 |