Call reports 2006
FIRST NATIONAL BANK OF NORTHERN CALIFORNIA — 2006
What FIRST NATIONAL BANK OF NORTHERN CALIFORNIA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 562,873,000 | 581,112,000 | 585,978,000 | 581,269,000 |
| Total loans | 361,729,000 | 388,540,000 | 398,763,000 | 424,439,000 |
| Allowance for loan losses | 4,692,000 | 4,812,000 | 4,924,000 | 5,002,000 |
| Securities available for sale | 121,295,000 | 126,154,000 | 136,133,000 | 94,945,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 498,308,000 | 485,789,000 | 477,174,000 | 481,604,000 |
| Interest-bearing deposits | 377,124,000 | 363,136,000 | 355,873,000 | 357,683,000 |
| Noninterest-bearing deposits | 121,184,000 | 122,653,000 | 121,301,000 | 123,921,000 |
| Equity capital | 56,724,000 | 58,203,000 | 60,425,000 | 61,942,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 8,837,000 | 17,765,000 | 27,266,000 | 37,196,000 |
| Interest expense | 1,951,000 | 4,120,000 | 6,905,000 | 9,821,000 |
| Net interest income | 6,886,000 | 13,645,000 | 20,361,000 | 27,375,000 |
| Noninterest income | 2,316,000 | 4,151,000 | 5,190,000 | 6,271,000 |
| Noninterest expense | 5,524,000 | 10,872,000 | 16,245,000 | 21,907,000 |
| Provision for loan losses | 150,000 | 270,000 | 390,000 | 510,000 |
| Pretax income | 3,528,000 | 6,654,000 | 8,916,000 | 11,218,000 |
| Income tax | 1,075,000 | 2,085,000 | 2,872,000 | 3,608,000 |
| Net income | 2,453,000 | 4,569,000 | 6,044,000 | 7,610,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,180,000 | 56,130,000 | 57,490,000 | 59,095,000 |
| Total capital | 58,872,000 | 61,006,000 | 62,493,000 | 64,176,000 |
| Risk-weighted assets | 471,825,000 | 495,627,000 | 516,219,000 | 535,874,000 |
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