Call reports 2008
PACIFIC GLOBAL BANK — 2008
What PACIFIC GLOBAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 158,337,000 | 163,088,000 | 166,351,000 | 167,516,000 |
| Total loans | 140,488,000 | 142,115,000 | 147,952,000 | 147,415,000 |
| Allowance for loan losses | 1,519,000 | 1,594,000 | 1,657,000 | 1,970,000 |
| Securities available for sale | 7,929,000 | 8,007,000 | 7,640,000 | 7,876,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,499,000 | 136,048,000 | 138,098,000 | 138,224,000 |
| Interest-bearing deposits | 120,670,000 | 121,628,000 | 124,098,000 | 126,657,000 |
| Noninterest-bearing deposits | 10,829,000 | 14,420,000 | 14,000,000 | 11,567,000 |
| Equity capital | 14,325,000 | 14,675,000 | 14,888,000 | 15,562,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,579,000 | 5,134,000 | 7,769,000 | 10,338,000 |
| Interest expense | 1,208,000 | 2,308,000 | 3,311,000 | 4,311,000 |
| Net interest income | 1,371,000 | 2,826,000 | 4,458,000 | 6,027,000 |
| Noninterest income | 98,000 | 256,000 | 368,000 | 1,164,000 |
| Noninterest expense | 1,084,000 | 2,124,000 | 3,137,000 | 4,196,000 |
| Provision for loan losses | 42,000 | 114,000 | 176,000 | 600,000 |
| Pretax income | 343,000 | 844,000 | 1,288,000 | 2,172,000 |
| Income tax | 125,000 | 311,000 | 476,000 | 812,000 |
| Net income | 218,000 | 533,000 | 812,000 | 1,360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,235,000 | 14,646,000 | 14,903,000 | 15,496,000 |
| Total capital | 15,649,000 | 16,081,000 | 16,373,000 | 16,953,000 |
| Risk-weighted assets | 113,007,000 | 114,663,000 | 117,435,000 | 116,055,000 |