Call reports 2005
FIRST NATIONAL BANK OF NORTHERN CALIFORNIA — 2005
What FIRST NATIONAL BANK OF NORTHERN CALIFORNIA 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 | 481,821,000 | 546,422,000 | 554,030,000 | 569,141,000 |
| Total loans | 335,733,000 | 382,189,000 | 375,814,000 | 384,598,000 |
| Allowance for loan losses | 3,394,000 | 4,232,000 | 4,406,000 | 4,547,000 |
| Securities available for sale | 95,084,000 | 97,962,000 | 119,682,000 | 113,463,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 424,651,000 | 487,448,000 | 492,961,000 | 507,690,000 |
| Interest-bearing deposits | 315,780,000 | 366,193,000 | 370,569,000 | 383,910,000 |
| Noninterest-bearing deposits | 108,871,000 | 121,255,000 | 122,392,000 | 123,780,000 |
| Equity capital | 51,556,000 | 52,658,000 | 53,561,000 | 55,107,000 |
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 | 6,515,000 | 13,970,000 | 22,004,000 | 30,732,000 |
| Interest expense | 965,000 | 2,173,000 | 3,740,000 | 5,533,000 |
| Net interest income | 5,550,000 | 11,797,000 | 18,264,000 | 25,199,000 |
| Noninterest income | 904,000 | 1,911,000 | 2,892,000 | 3,942,000 |
| Noninterest expense | 4,833,000 | 10,057,000 | 15,123,000 | 20,266,000 |
| Provision for loan losses | 120,000 | 270,000 | 435,000 | 600,000 |
| Pretax income | 1,435,000 | 3,315,000 | 5,547,000 | 8,174,000 |
| Income tax | 415,000 | 1,010,000 | 1,684,000 | 2,429,000 |
| Net income | 1,020,000 | 2,305,000 | 3,863,000 | 5,745,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,553,000 | 49,098,000 | 50,849,000 | 52,498,000 |
| Total capital | 54,947,000 | 53,330,000 | 55,255,000 | 57,045,000 |
| Risk-weighted assets | 415,901,000 | 480,760,000 | 480,266,000 | 493,471,000 |
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