Call reports 2008
FIRST NATIONAL BANK OF NORTHERN CALIFORNIA — 2008
What FIRST NATIONAL BANK OF NORTHERN CALIFORNIA 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 | 649,533,000 | 659,139,000 | 660,280,000 | 660,934,000 |
| Total loans | 496,886,000 | 494,509,000 | 495,675,000 | 505,059,000 |
| Allowance for loan losses | 5,485,000 | 5,800,000 | 6,031,000 | 7,075,000 |
| Securities available for sale | 87,107,000 | 103,067,000 | 104,489,000 | 99,221,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 499,734,000 | 507,581,000 | 520,529,000 | 500,966,000 |
| Interest-bearing deposits | 379,539,000 | 391,313,000 | 393,153,000 | 379,673,000 |
| Noninterest-bearing deposits | 120,195,000 | 116,268,000 | 127,376,000 | 121,293,000 |
| Equity capital | 67,072,000 | 66,799,000 | 66,482,000 | 68,023,000 |
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 | 10,372,000 | 20,029,000 | 29,817,000 | 39,431,000 |
| Interest expense | 3,322,000 | 6,162,000 | 8,888,000 | 11,508,000 |
| Net interest income | 7,050,000 | 13,867,000 | 20,929,000 | 27,923,000 |
| Noninterest income | 1,122,000 | 2,257,000 | 3,459,000 | 5,110,000 |
| Noninterest expense | 6,153,000 | 12,405,000 | 18,846,000 | 24,995,000 |
| Provision for loan losses | 990,000 | 1,290,000 | 1,590,000 | 3,045,000 |
| Pretax income | 1,167,000 | 2,568,000 | 3,658,000 | 4,703,000 |
| Income tax | 257,000 | 539,000 | 547,000 | 625,000 |
| Net income | 910,000 | 2,029,000 | 3,111,000 | 4,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,465,000 | 64,098,000 | 63,643,000 | 64,220,000 |
| Total capital | 69,060,000 | 70,008,000 | 69,784,000 | 71,405,000 |
| Risk-weighted assets | 610,586,000 | 603,956,000 | 598,938,000 | 602,903,000 |
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