Call reports 2014
FIRST NATIONAL BANK OF NORTHERN CALIFORNIA — 2014
What FIRST NATIONAL BANK OF NORTHERN CALIFORNIA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 900,525,000 | 903,733,000 | 905,691,000 | 914,981,000 |
| Total loans | 576,758,000 | 571,291,000 | 579,307,000 | 593,415,000 |
| Allowance for loan losses | 9,897,000 | 10,859,000 | 10,774,000 | 9,700,000 |
| Securities available for sale | 258,184,000 | 267,795,000 | 267,924,000 | 264,881,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 774,279,000 | 791,148,000 | 782,983,000 | 792,948,000 |
| Interest-bearing deposits | 575,624,000 | 586,368,000 | 572,750,000 | 589,383,000 |
| Noninterest-bearing deposits | 198,655,000 | 204,780,000 | 210,233,000 | 203,565,000 |
| Equity capital | 92,991,000 | 96,011,000 | 97,163,000 | 101,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 8,983,000 | 18,249,000 | 27,554,000 | 36,875,000 |
| Interest expense | 469,000 | 956,000 | 1,430,000 | 1,900,000 |
| Net interest income | 8,514,000 | 17,293,000 | 26,124,000 | 34,975,000 |
| Noninterest income | 1,310,000 | 2,205,000 | 3,138,000 | 6,655,000 |
| Noninterest expense | 7,083,000 | 14,179,000 | 21,218,000 | 27,934,000 |
| Provision for loan losses | 75,000 | 75,000 | 75,000 | -1,020,000 |
| Pretax income | 2,677,000 | 5,283,000 | 8,108,000 | 14,854,000 |
| Income tax | 841,000 | 1,694,000 | 2,619,000 | 5,136,000 |
| Net income | 1,836,000 | 3,589,000 | 5,489,000 | 9,718,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,014,000 | 89,698,000 | 91,041,000 | 98,097,000 |
| Total capital | 96,652,000 | 98,293,000 | 99,791,000 | 106,876,000 |
| Risk-weighted assets | 689,589,000 | 685,146,000 | 697,765,000 | 701,224,000 |
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