Call reports 2007
BANK OF NAPA, NATIONAL ASSOCIATION — 2007
What BANK OF NAPA, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 31,149,000 | 34,174,000 | 40,363,000 | 43,810,000 |
| Total loans | 4,739,000 | 2,498,000 | 5,642,000 | 12,197,000 |
| Allowance for loan losses | 47,000 | 47,000 | 57,000 | 111,000 |
| Securities available for sale | 0 | 3,494,000 | 11,931,000 | 11,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,483,000 | 14,854,000 | 21,562,000 | 25,524,000 |
| Interest-bearing deposits | 10,287,000 | 12,721,000 | 16,177,000 | 18,364,000 |
| Noninterest-bearing deposits | 1,196,000 | 2,133,000 | 5,385,000 | 7,160,000 |
| Equity capital | 19,491,000 | 19,126,000 | 18,564,000 | 18,019,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 359,000 | 798,000 | 1,275,000 | 1,806,000 |
| Interest expense | 64,000 | 164,000 | 308,000 | 454,000 |
| Net interest income | 295,000 | 634,000 | 967,000 | 1,352,000 |
| Noninterest income | 6,000 | 13,000 | 23,000 | 39,000 |
| Noninterest expense | 685,000 | 1,435,000 | 2,386,000 | 3,334,000 |
| Provision for loan losses | 20,000 | 20,000 | 27,000 | 81,000 |
| Pretax income | -404,000 | -808,000 | -1,423,000 | -2,024,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 3,000 |
| Net income | -405,000 | -809,000 | -1,425,000 | -2,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,491,000 | 19,132,000 | 18,545,000 | 17,977,000 |
| Total capital | 19,538,000 | 19,179,000 | 18,602,000 | 18,088,000 |
| Risk-weighted assets | 10,001,000 | 8,815,000 | 12,560,000 | 18,048,000 |