Call reports 2004
PACIFIC GLOBAL BANK — 2004
What PACIFIC GLOBAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 92,901,000 | 95,854,000 | 95,723,000 | 103,420,000 |
| Total loans | 69,591,000 | 75,303,000 | 78,350,000 | 81,660,000 |
| Allowance for loan losses | 901,000 | 944,000 | 979,000 | 963,000 |
| Securities available for sale | 9,292,000 | 9,046,000 | 8,229,000 | 7,959,000 |
| Securities held to maturity | 754,000 | 1,253,000 | 503,000 | 502,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,081,000 | 85,962,000 | 84,948,000 | 92,064,000 |
| Interest-bearing deposits | 75,049,000 | 76,666,000 | 75,379,000 | 77,440,000 |
| Noninterest-bearing deposits | 8,032,000 | 9,296,000 | 9,569,000 | 14,624,000 |
| Equity capital | 8,763,000 | 8,829,000 | 9,166,000 | 9,458,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,271,000 | 2,594,000 | 3,964,000 | 5,358,000 |
| Interest expense | 321,000 | 652,000 | 998,000 | 1,383,000 |
| Net interest income | 950,000 | 1,942,000 | 2,966,000 | 3,975,000 |
| Noninterest income | 68,000 | 134,000 | 204,000 | 282,000 |
| Noninterest expense | 649,000 | 1,296,000 | 1,947,000 | 2,562,000 |
| Provision for loan losses | 27,000 | 68,000 | 103,000 | 159,000 |
| Pretax income | 342,000 | 712,000 | 1,120,000 | 1,536,000 |
| Income tax | 113,000 | 259,000 | 417,000 | 581,000 |
| Net income | 229,000 | 453,000 | 703,000 | 955,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,642,000 | 8,832,000 | 9,109,000 | 9,410,000 |
| Total capital | 9,370,000 | 9,620,000 | 9,926,000 | 10,266,000 |
| Risk-weighted assets | 58,101,000 | 62,877,000 | 65,206,000 | 68,388,000 |