Call reports 2016
FIRST NATIONAL BANK OF NORTHERN CALIFORNIA — 2016
What FIRST NATIONAL BANK OF NORTHERN CALIFORNIA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,156,411,000 | 1,144,275,000 | 1,172,688,000 | 1,219,098,000 |
| Total loans | 743,934,000 | 735,509,000 | 751,499,000 | 792,652,000 |
| Allowance for loan losses | 9,943,000 | 10,038,000 | 10,092,000 | 10,167,000 |
| Securities available for sale | 329,396,000 | 342,420,000 | 358,877,000 | 360,105,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,031,567,000 | 1,009,273,000 | 1,005,133,000 | 1,021,301,000 |
| Interest-bearing deposits | 764,304,000 | 739,896,000 | 717,690,000 | 723,232,000 |
| Noninterest-bearing deposits | 267,263,000 | 269,377,000 | 287,443,000 | 298,069,000 |
| Equity capital | 112,029,000 | 115,254,000 | 116,575,000 | 112,881,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 11,565,000 | 22,882,000 | 34,002,000 | 45,513,000 |
| Interest expense | 791,000 | 1,502,000 | 2,167,000 | 2,845,000 |
| Net interest income | 10,774,000 | 21,380,000 | 31,835,000 | 42,668,000 |
| Noninterest income | 951,000 | 1,927,000 | 2,890,000 | 4,157,000 |
| Noninterest expense | 7,753,000 | 15,368,000 | 22,858,000 | 30,559,000 |
| Provision for loan losses | 75,000 | 150,000 | 150,000 | 150,000 |
| Pretax income | 4,081,000 | 8,030,000 | 12,098,000 | 16,554,000 |
| Income tax | 1,422,000 | 2,836,000 | 4,382,000 | 5,696,000 |
| Net income | 2,659,000 | 5,194,000 | 7,716,000 | 10,858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,257,000 | 105,259,000 | 107,102,000 | 109,538,000 |
| Total capital | 113,377,000 | 115,474,000 | 117,371,000 | 119,882,000 |
| Risk-weighted assets | 855,977,000 | 853,222,000 | 895,675,000 | 945,184,000 |