Call reports 2013
FIRST NATIONAL BANK OF NORTHERN CALIFORNIA — 2013
What FIRST NATIONAL BANK OF NORTHERN CALIFORNIA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 894,101,000 | 900,793,000 | 926,346,000 | 891,604,000 |
| Total loans | 555,635,000 | 540,983,000 | 567,912,000 | 562,222,000 |
| Allowance for loan losses | 9,357,000 | 9,745,000 | 9,748,000 | 9,879,000 |
| Securities available for sale | 246,460,000 | 281,422,000 | 285,610,000 | 263,988,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 782,422,000 | 803,220,000 | 781,746,000 | 774,596,000 |
| Interest-bearing deposits | 602,574,000 | 609,975,000 | 589,459,000 | 575,092,000 |
| Noninterest-bearing deposits | 179,848,000 | 193,245,000 | 192,287,000 | 199,504,000 |
| Equity capital | 94,808,000 | 89,463,000 | 91,945,000 | 93,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 9,415,000 | 18,788,000 | 28,053,000 | 37,426,000 |
| Interest expense | 683,000 | 1,321,000 | 1,881,000 | 2,394,000 |
| Net interest income | 8,732,000 | 17,467,000 | 26,172,000 | 35,032,000 |
| Noninterest income | 917,000 | 1,920,000 | 2,856,000 | 3,848,000 |
| Noninterest expense | 7,730,000 | 15,068,000 | 22,006,000 | 28,944,000 |
| Provision for loan losses | 600,000 | 1,110,000 | 1,335,000 | 1,385,000 |
| Pretax income | 1,361,000 | 3,324,000 | 5,839,000 | 8,875,000 |
| Income tax | 422,000 | 959,000 | 330,000 | 1,325,000 |
| Net income | 939,000 | 2,365,000 | 5,509,000 | 7,550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,266,000 | 83,117,000 | 84,670,000 | 87,705,000 |
| Total capital | 95,427,000 | 91,384,000 | 93,420,000 | 96,247,000 |
| Risk-weighted assets | 651,539,000 | 659,721,000 | 698,789,000 | 681,801,000 |
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