Call reports 2009
FIRST NATIONAL BANK OF NORTHERN CALIFORNIA — 2009
What FIRST NATIONAL BANK OF NORTHERN CALIFORNIA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 661,168,000 | 661,806,000 | 699,290,000 | 708,289,000 |
| Total loans | 499,637,000 | 496,407,000 | 515,961,000 | 504,178,000 |
| Allowance for loan losses | 8,726,000 | 9,095,000 | 9,424,000 | 9,829,000 |
| Securities available for sale | 91,711,000 | 89,556,000 | 94,264,000 | 97,188,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 516,140,000 | 538,548,000 | 585,235,000 | 599,031,000 |
| Interest-bearing deposits | 399,241,000 | 426,835,000 | 464,264,000 | 478,449,000 |
| Noninterest-bearing deposits | 116,899,000 | 111,713,000 | 120,971,000 | 120,582,000 |
| Equity capital | 78,268,000 | 77,638,000 | 78,699,000 | 78,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,913,000 | 17,558,000 | 26,854,000 | 35,863,000 |
| Interest expense | 2,319,000 | 4,681,000 | 6,974,000 | 9,011,000 |
| Net interest income | 6,594,000 | 12,877,000 | 19,880,000 | 26,852,000 |
| Noninterest income | 131,000 | 968,000 | 1,673,000 | 1,926,000 |
| Noninterest expense | 6,221,000 | 12,814,000 | 18,947,000 | 25,179,000 |
| Provision for loan losses | 2,140,000 | 2,900,000 | 3,696,000 | 4,596,000 |
| Pretax income | -1,632,000 | -1,623,000 | -185,000 | 0 |
| Income tax | -427,000 | -422,000 | -247,000 | -587,000 |
| Net income | -1,205,000 | -1,201,000 | 62,000 | 587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,611,000 | 74,373,000 | 75,364,000 | 75,608,000 |
| Total capital | 82,080,000 | 81,731,000 | 82,929,000 | 82,917,000 |
| Risk-weighted assets | 596,176,000 | 586,797,000 | 603,217,000 | 582,081,000 |
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