Call reports 2009
BANK OF NAPA, NATIONAL ASSOCIATION — 2009
What BANK OF NAPA, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 68,216,000 | 71,928,000 | 78,513,000 | 84,266,000 |
| Total loans | 51,782,000 | 54,279,000 | 57,181,000 | 63,403,000 |
| Allowance for loan losses | 628,000 | 692,000 | 795,000 | 954,000 |
| Securities available for sale | 6,780,000 | 6,780,000 | 9,091,000 | 7,208,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,198,000 | 54,983,000 | 61,612,000 | 67,516,000 |
| Interest-bearing deposits | 40,774,000 | 43,416,000 | 48,312,000 | 55,035,000 |
| Noninterest-bearing deposits | 10,424,000 | 11,567,000 | 13,300,000 | 12,481,000 |
| Equity capital | 16,701,000 | 16,613,000 | 16,489,000 | 16,387,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 799,000 | 1,677,000 | 2,592,000 | 3,566,000 |
| Interest expense | 166,000 | 337,000 | 514,000 | 678,000 |
| Net interest income | 633,000 | 1,340,000 | 2,078,000 | 2,888,000 |
| Noninterest income | 33,000 | 67,000 | 103,000 | 146,000 |
| Noninterest expense | 873,000 | 1,685,000 | 2,566,000 | 3,386,000 |
| Provision for loan losses | 100,000 | 164,000 | 267,000 | 426,000 |
| Pretax income | -196,000 | -331,000 | -541,000 | -667,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | -197,000 | -332,000 | -542,000 | -668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,611,000 | 16,517,000 | 16,349,000 | 16,266,000 |
| Total capital | 17,239,000 | 17,209,000 | 17,144,000 | 17,220,000 |
| Risk-weighted assets | 56,449,000 | 59,480,000 | 63,336,000 | 68,827,000 |