Call reports 2010
BANK OF NAPA, NATIONAL ASSOCIATION — 2010
What BANK OF NAPA, NATIONAL ASSOCIATION reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 90,847,000 | 89,539,000 | 102,704,000 | 105,962,000 |
| Total loans | 64,154,000 | 67,170,000 | 70,951,000 | 76,229,000 |
| Allowance for loan losses | 1,069,000 | 1,108,000 | 1,206,000 | 1,161,000 |
| Securities available for sale | 9,507,000 | 12,129,000 | 12,478,000 | 16,015,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,236,000 | 72,775,000 | 85,655,000 | 88,953,000 |
| Interest-bearing deposits | 59,929,000 | 59,263,000 | 71,070,000 | 74,122,000 |
| Noninterest-bearing deposits | 14,307,000 | 13,512,000 | 14,585,000 | 14,831,000 |
| Equity capital | 16,321,000 | 16,458,000 | 16,717,000 | 16,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 998,000 | 2,054,000 | 3,167,000 | 4,359,000 |
| Interest expense | 155,000 | 302,000 | 457,000 | 618,000 |
| Net interest income | 843,000 | 1,752,000 | 2,710,000 | 3,741,000 |
| Noninterest income | 61,000 | 117,000 | 171,000 | 245,000 |
| Noninterest expense | 886,000 | 1,755,000 | 2,596,000 | 3,442,000 |
| Provision for loan losses | 115,000 | 154,000 | 252,000 | 565,000 |
| Pretax income | -93,000 | -36,000 | 37,000 | 78,000 |
| Income tax | 1,000 | 1,000 | 1,000 | -169,000 |
| Net income | -94,000 | -37,000 | 36,000 | 247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,194,000 | 16,275,000 | 16,375,000 | 16,615,000 |
| Total capital | 17,034,000 | 17,149,000 | 17,349,000 | 17,640,000 |
| Risk-weighted assets | 66,974,000 | 69,696,000 | 76,916,000 | 81,115,000 |