Call reports 2003
NAPA COMMUNITY BANK — 2003
What NAPA COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 39,545,000 | 48,224,000 | 50,427,000 | 53,509,000 |
| Total loans | 24,697,000 | 25,128,000 | 30,355,000 | 36,814,000 |
| Allowance for loan losses | 392,000 | 392,000 | 412,000 | 492,000 |
| Securities available for sale | 5,113,000 | 5,113,000 | 2,339,000 | 2,341,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,601,000 | 40,179,000 | 42,302,000 | 45,275,000 |
| Interest-bearing deposits | 26,532,000 | 33,396,000 | 35,262,000 | 35,182,000 |
| Noninterest-bearing deposits | 5,069,000 | 6,783,000 | 7,040,000 | 10,093,000 |
| Equity capital | 7,880,000 | 7,958,000 | 8,037,000 | 8,172,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 514,000 | 1,069,000 | 1,703,000 | 2,542,000 |
| Interest expense | 81,000 | 176,000 | 252,000 | 322,000 |
| Net interest income | 433,000 | 893,000 | 1,451,000 | 2,220,000 |
| Noninterest income | 37,000 | 102,000 | 200,000 | 263,000 |
| Noninterest expense | 397,000 | 802,000 | 1,302,000 | 1,850,000 |
| Provision for loan losses | 89,000 | 89,000 | 109,000 | 189,000 |
| Pretax income | -16,000 | 104,000 | 238,000 | 447,000 |
| Income tax | -5,000 | 37,000 | 84,000 | 157,000 |
| Net income | -11,000 | 67,000 | 154,000 | 290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,565,000 | 7,685,000 | 7,807,000 | 8,014,000 |
| Total capital | 7,912,000 | 8,077,000 | 8,219,000 | 8,506,000 |
| Risk-weighted assets | 27,706,000 | 32,639,000 | 36,552,000 | 43,111,000 |