Call reports 2010
FIRST NATIONAL BANK OF NORTHERN CALIFORNIA — 2010
What FIRST NATIONAL BANK OF NORTHERN CALIFORNIA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 723,547,000 | 721,792,000 | 727,482,000 | 715,563,000 |
| Total loans | 494,960,000 | 489,728,000 | 484,714,000 | 484,352,000 |
| Allowance for loan losses | 9,096,000 | 9,076,000 | 9,250,000 | 9,524,000 |
| Securities available for sale | 114,584,000 | 125,976,000 | 131,123,000 | 126,189,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 623,652,000 | 620,232,000 | 639,021,000 | 628,830,000 |
| Interest-bearing deposits | 500,994,000 | 494,710,000 | 502,695,000 | 491,203,000 |
| Noninterest-bearing deposits | 122,658,000 | 125,522,000 | 136,326,000 | 137,627,000 |
| Equity capital | 79,213,000 | 80,344,000 | 81,721,000 | 80,519,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 8,690,000 | 17,479,000 | 26,133,000 | 34,568,000 |
| Interest expense | 1,698,000 | 3,030,000 | 4,368,000 | 5,383,000 |
| Net interest income | 6,992,000 | 14,449,000 | 21,765,000 | 29,185,000 |
| Noninterest income | 799,000 | 1,255,000 | 2,106,000 | 2,990,000 |
| Noninterest expense | 6,376,000 | 13,128,000 | 19,710,000 | 26,044,000 |
| Provision for loan losses | 250,000 | 565,000 | 1,029,000 | 1,854,000 |
| Pretax income | 1,273,000 | 2,173,000 | 3,624,000 | 4,896,000 |
| Income tax | 268,000 | 429,000 | 855,000 | 1,227,000 |
| Net income | 1,005,000 | 1,744,000 | 2,769,000 | 3,669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,333,000 | 76,828,000 | 74,935,000 | 75,425,000 |
| Total capital | 83,512,000 | 83,984,000 | 82,026,000 | 82,392,000 |
| Risk-weighted assets | 572,330,000 | 570,465,000 | 565,019,000 | 554,714,000 |
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