Call reports 2007
PACIFIC GLOBAL BANK — 2007
What PACIFIC GLOBAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 141,442,000 | 142,352,000 | 148,869,000 | 150,839,000 |
| Total loans | 117,118,000 | 121,977,000 | 128,733,000 | 130,670,000 |
| Allowance for loan losses | 1,432,000 | 1,474,000 | 1,515,000 | 1,475,000 |
| Securities available for sale | 8,781,000 | 9,159,000 | 9,380,000 | 8,165,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,962,000 | 120,192,000 | 125,382,000 | 126,813,000 |
| Interest-bearing deposits | 108,633,000 | 108,401,000 | 113,205,000 | 114,789,000 |
| Noninterest-bearing deposits | 11,329,000 | 11,791,000 | 12,177,000 | 12,024,000 |
| Equity capital | 12,861,000 | 12,902,000 | 13,186,000 | 13,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,226,000 | 4,543,000 | 7,024,000 | 9,516,000 |
| Interest expense | 1,162,000 | 2,391,000 | 3,666,000 | 4,954,000 |
| Net interest income | 1,064,000 | 2,152,000 | 3,358,000 | 4,562,000 |
| Noninterest income | 92,000 | 180,000 | 266,000 | 857,000 |
| Noninterest expense | 947,000 | 1,865,000 | 2,773,000 | 3,739,000 |
| Provision for loan losses | 41,000 | 83,000 | 124,000 | 176,000 |
| Pretax income | 168,000 | 384,000 | 727,000 | 1,504,000 |
| Income tax | 49,000 | 115,000 | 228,000 | 498,000 |
| Net income | 119,000 | 269,000 | 499,000 | 1,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,878,000 | 12,946,000 | 13,176,000 | 13,935,000 |
| Total capital | 14,045,000 | 14,253,000 | 14,495,000 | 15,251,000 |
| Risk-weighted assets | 93,088,000 | 104,382,000 | 105,359,000 | 105,084,000 |