Call reports 2011
FIRST NATIONAL BANK OF NORTHERN CALIFORNIA — 2011
What FIRST NATIONAL BANK OF NORTHERN CALIFORNIA reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 697,059,000 | 718,429,000 | 723,485,000 | 715,622,000 |
| Total loans | 473,529,000 | 469,475,000 | 465,752,000 | 453,618,000 |
| Allowance for loan losses | 9,784,000 | 9,719,000 | 9,646,000 | 9,897,000 |
| Securities available for sale | 131,861,000 | 143,164,000 | 152,376,000 | 187,664,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 609,893,000 | 629,015,000 | 632,175,000 | 622,352,000 |
| Interest-bearing deposits | 474,997,000 | 490,259,000 | 490,458,000 | 482,396,000 |
| Noninterest-bearing deposits | 134,896,000 | 138,756,000 | 141,717,000 | 139,956,000 |
| Equity capital | 81,286,000 | 83,408,000 | 85,158,000 | 86,606,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 8,246,000 | 16,545,000 | 24,816,000 | 33,018,000 |
| Interest expense | 884,000 | 1,741,000 | 2,583,000 | 3,326,000 |
| Net interest income | 7,362,000 | 14,804,000 | 22,233,000 | 29,692,000 |
| Noninterest income | 1,056,000 | 2,032,000 | 3,132,000 | 4,004,000 |
| Noninterest expense | 6,829,000 | 13,312,000 | 20,018,000 | 26,536,000 |
| Provision for loan losses | 450,000 | 850,000 | 1,300,000 | 1,750,000 |
| Pretax income | 1,161,000 | 2,825,000 | 4,367,000 | 5,889,000 |
| Income tax | 347,000 | 797,000 | 1,142,000 | 1,570,000 |
| Net income | 814,000 | 2,028,000 | 3,225,000 | 4,319,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,078,000 | 78,335,000 | 78,954,000 | 80,500,000 |
| Total capital | 82,925,000 | 85,102,000 | 85,716,000 | 87,169,000 |
| Risk-weighted assets | 544,749,000 | 538,313,000 | 537,939,000 | 530,194,000 |
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