Call reports 2017
FIRST NATIONAL BANK OF NORTHERN CALIFORNIA — 2017
What FIRST NATIONAL BANK OF NORTHERN CALIFORNIA reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 1,244,681,000 | 1,251,700,000 | 1,272,716,000 | 1,265,475,000 |
| Total loans | 817,335,000 | 818,685,000 | 839,350,000 | 839,937,000 |
| Allowance for loan losses | 10,144,000 | 10,177,000 | 10,250,000 | 10,171,000 |
| Securities available for sale | 353,364,000 | 362,006,000 | 360,301,000 | 355,857,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,026,847,000 | 1,024,362,000 | 1,046,998,000 | 1,052,242,000 |
| Interest-bearing deposits | 737,962,000 | 726,089,000 | 735,317,000 | 736,860,000 |
| Noninterest-bearing deposits | 288,885,000 | 298,273,000 | 311,681,000 | 315,382,000 |
| Equity capital | 116,789,000 | 120,765,000 | 123,182,000 | 121,096,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 12,027,000 | 24,405,000 | 37,191,000 | 50,217,000 |
| Interest expense | 782,000 | 1,673,000 | 2,651,000 | 3,657,000 |
| Net interest income | 11,245,000 | 22,732,000 | 34,540,000 | 46,560,000 |
| Noninterest income | 982,000 | 1,871,000 | 2,784,000 | 3,650,000 |
| Noninterest expense | 7,449,000 | 15,044,000 | 22,649,000 | 30,232,000 |
| Provision for loan losses | 0 | -140,000 | -140,000 | -360,000 |
| Pretax income | 4,806,000 | 9,850,000 | 15,025,000 | 20,548,000 |
| Income tax | 1,508,000 | 3,063,000 | 4,829,000 | 9,307,000 |
| Net income | 3,298,000 | 6,787,000 | 10,196,000 | 11,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 111,948,000 | 114,588,000 | 117,069,000 | 117,180,000 |
| Total capital | 122,269,000 | 124,942,000 | 127,496,000 | 127,528,000 |
| Risk-weighted assets | 970,231,000 | 977,272,000 | 993,804,000 | 997,257,000 |