Call reports 2016
BANK OF NAPA, NATIONAL ASSOCIATION — 2016
What BANK OF NAPA, NATIONAL ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 224,521,000 | 231,643,000 | 242,336,000 | 244,447,000 |
| Total loans | 132,445,000 | 128,323,000 | 127,742,000 | 135,170,000 |
| Allowance for loan losses | 1,851,000 | 1,865,000 | 1,865,000 | 1,903,000 |
| Securities available for sale | 71,019,000 | 80,061,000 | 89,275,000 | 94,365,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,002,000 | 204,322,000 | 214,129,000 | 217,571,000 |
| Interest-bearing deposits | 143,640,000 | 152,757,000 | 156,039,000 | 159,392,000 |
| Noninterest-bearing deposits | 54,362,000 | 51,565,000 | 58,090,000 | 58,179,000 |
| Equity capital | 25,268,000 | 25,831,000 | 26,677,000 | 25,755,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,975,000 | 3,996,000 | 5,992,000 | 8,104,000 |
| Interest expense | 88,000 | 181,000 | 274,000 | 366,000 |
| Net interest income | 1,887,000 | 3,815,000 | 5,718,000 | 7,738,000 |
| Noninterest income | 132,000 | 277,000 | 403,000 | 530,000 |
| Noninterest expense | 1,356,000 | 2,798,000 | 4,184,000 | 5,585,000 |
| Provision for loan losses | 50,000 | 63,000 | 63,000 | 100,000 |
| Pretax income | 614,000 | 1,232,000 | 1,908,000 | 2,621,000 |
| Income tax | 210,000 | 422,000 | 650,000 | 879,000 |
| Net income | 404,000 | 810,000 | 1,258,000 | 1,742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,967,000 | 25,039,000 | 26,114,000 | 26,585,000 |
| Total capital | 26,821,000 | 26,907,000 | 27,982,000 | 28,489,000 |
| Risk-weighted assets | 151,027,000 | 152,165,000 | 154,518,000 | 162,728,000 |