Call reports 2012
FIRST NATIONAL BANK OF NORTHERN CALIFORNIA — 2012
What FIRST NATIONAL BANK OF NORTHERN CALIFORNIA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 746,630,000 | 748,709,000 | 897,683,000 | 872,077,000 |
| Total loans | 455,589,000 | 461,757,000 | 556,132,000 | 550,687,000 |
| Allowance for loan losses | 8,287,000 | 8,458,000 | 8,582,000 | 9,124,000 |
| Securities available for sale | 205,353,000 | 203,548,000 | 228,805,000 | 234,945,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 652,140,000 | 652,352,000 | 781,308,000 | 755,252,000 |
| Interest-bearing deposits | 501,491,000 | 492,473,000 | 607,066,000 | 580,790,000 |
| Noninterest-bearing deposits | 150,649,000 | 159,879,000 | 174,242,000 | 174,462,000 |
| Equity capital | 87,412,000 | 88,762,000 | 94,254,000 | 94,768,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,900,000 | 15,799,000 | 24,188,000 | 33,686,000 |
| Interest expense | 684,000 | 1,337,000 | 2,001,000 | 2,727,000 |
| Net interest income | 7,216,000 | 14,462,000 | 22,187,000 | 30,959,000 |
| Noninterest income | 1,415,000 | 2,491,000 | 7,138,000 | 8,056,000 |
| Noninterest expense | 7,041,000 | 13,494,000 | 20,112,000 | 27,606,000 |
| Provision for loan losses | 400,000 | 800,000 | 1,200,000 | 1,833,000 |
| Pretax income | 1,674,000 | 3,468,000 | 8,911,000 | 10,534,000 |
| Income tax | 390,000 | 904,000 | 1,394,000 | 1,687,000 |
| Net income | 1,284,000 | 2,564,000 | 7,517,000 | 8,847,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,306,000 | 82,111,000 | 85,028,000 | 85,886,000 |
| Total capital | 87,128,000 | 89,002,000 | 93,296,000 | 93,966,000 |
| Risk-weighted assets | 544,185,000 | 549,595,000 | 660,981,000 | 645,228,000 |