Call reports 2015
FIRST NATIONAL BANK OF NORTHERN CALIFORNIA — 2015
What FIRST NATIONAL BANK OF NORTHERN CALIFORNIA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 919,445,000 | 1,007,997,000 | 1,109,623,000 | 1,121,585,000 |
| Total loans | 585,350,000 | 581,501,000 | 706,828,000 | 732,717,000 |
| Allowance for loan losses | 9,744,000 | 9,836,000 | 9,939,000 | 9,970,000 |
| Securities available for sale | 264,499,000 | 295,171,000 | 315,560,000 | 329,207,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 805,576,000 | 894,196,000 | 990,459,000 | 984,313,000 |
| Interest-bearing deposits | 582,224,000 | 643,720,000 | 728,253,000 | 719,367,000 |
| Noninterest-bearing deposits | 223,352,000 | 250,476,000 | 262,206,000 | 264,946,000 |
| Equity capital | 104,112,000 | 104,410,000 | 107,476,000 | 107,835,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 9,078,000 | 18,394,000 | 28,321,000 | 39,360,000 |
| Interest expense | 455,000 | 992,000 | 1,628,000 | 2,366,000 |
| Net interest income | 8,623,000 | 17,402,000 | 26,693,000 | 36,994,000 |
| Noninterest income | 1,000,000 | 2,097,000 | 3,058,000 | 4,079,000 |
| Noninterest expense | 6,919,000 | 13,665,000 | 21,132,000 | 29,799,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | -305,000 |
| Pretax income | 2,698,000 | 5,905,000 | 8,644,000 | 11,918,000 |
| Income tax | 871,000 | 1,908,000 | 2,339,000 | 3,420,000 |
| Net income | 1,827,000 | 3,997,000 | 6,305,000 | 8,498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,393,000 | 101,164,000 | 99,793,000 | 101,426,000 |
| Total capital | 109,314,000 | 111,177,000 | 109,866,000 | 111,573,000 |
| Risk-weighted assets | 815,672,000 | 801,159,000 | 805,757,000 | 835,766,000 |