Call reports 2005
PACIFIC GLOBAL BANK — 2005
What PACIFIC GLOBAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 105,999,000 | 111,021,000 | 115,979,000 | 121,587,000 |
| Total loans | 87,527,000 | 90,797,000 | 95,173,000 | 99,077,000 |
| Allowance for loan losses | 1,016,000 | 1,072,000 | 1,146,000 | 1,236,000 |
| Securities available for sale | 7,735,000 | 8,372,000 | 8,132,000 | 8,170,000 |
| Securities held to maturity | 502,000 | 502,000 | 501,000 | 251,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,817,000 | 96,480,000 | 99,106,000 | 102,287,000 |
| Interest-bearing deposits | 80,098,000 | 84,068,000 | 85,234,000 | 90,201,000 |
| Noninterest-bearing deposits | 11,719,000 | 12,412,000 | 13,872,000 | 12,086,000 |
| Equity capital | 10,659,000 | 11,007,000 | 11,225,000 | 11,486,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,450,000 | 3,046,000 | 4,679,000 | 6,393,000 |
| Interest expense | 411,000 | 925,000 | 1,504,000 | 2,181,000 |
| Net interest income | 1,039,000 | 2,121,000 | 3,175,000 | 4,212,000 |
| Noninterest income | 70,000 | 142,000 | 221,000 | 300,000 |
| Noninterest expense | 691,000 | 1,373,000 | 2,056,000 | 2,756,000 |
| Provision for loan losses | 50,000 | 110,000 | 210,000 | 300,000 |
| Pretax income | 368,000 | 780,000 | 1,130,000 | 1,456,000 |
| Income tax | 139,000 | 270,000 | 386,000 | 505,000 |
| Net income | 229,000 | 510,000 | 744,000 | 951,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,671,000 | 10,980,000 | 11,243,000 | 11,525,000 |
| Total capital | 11,578,000 | 11,901,000 | 12,221,000 | 12,559,000 |
| Risk-weighted assets | 72,471,000 | 73,507,000 | 78,104,000 | 82,553,000 |