Call reports 2015
BANK OF NAPA, NATIONAL ASSOCIATION — 2015
What BANK OF NAPA, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 188,175,000 | 196,322,000 | 205,278,000 | 212,059,000 |
| Total loans | 110,898,000 | 116,453,000 | 123,166,000 | 127,398,000 |
| Allowance for loan losses | 1,720,000 | 1,734,000 | 1,762,000 | 1,801,000 |
| Securities available for sale | 55,694,000 | 58,056,000 | 66,772,000 | 72,209,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,194,000 | 171,662,000 | 179,890,000 | 186,501,000 |
| Interest-bearing deposits | 116,502,000 | 120,753,000 | 123,984,000 | 133,738,000 |
| Noninterest-bearing deposits | 46,692,000 | 50,909,000 | 55,906,000 | 52,763,000 |
| Equity capital | 23,752,000 | 23,802,000 | 24,331,000 | 24,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,622,000 | 3,367,000 | 5,167,000 | 7,061,000 |
| Interest expense | 82,000 | 165,000 | 250,000 | 337,000 |
| Net interest income | 1,540,000 | 3,202,000 | 4,917,000 | 6,724,000 |
| Noninterest income | 120,000 | 247,000 | 374,000 | 502,000 |
| Noninterest expense | 1,275,000 | 2,553,000 | 3,834,000 | 5,131,000 |
| Provision for loan losses | 8,000 | 21,000 | 49,000 | 87,000 |
| Pretax income | 427,000 | 925,000 | 1,458,000 | 2,077,000 |
| Income tax | 151,000 | 324,000 | 504,000 | 725,000 |
| Net income | 276,000 | 601,000 | 954,000 | 1,352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,413,000 | 23,796,000 | 24,152,000 | 24,555,000 |
| Total capital | 24,978,000 | 25,476,000 | 25,901,000 | 26,356,000 |
| Risk-weighted assets | 125,094,000 | 134,236,000 | 139,778,000 | 145,170,000 |