Call reports 2004
NAPA COMMUNITY BANK — 2004
What NAPA COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 58,641,000 | 65,953,000 | 68,874,000 | 79,398,000 |
| Total loans | 42,739,000 | 47,657,000 | 51,246,000 | 54,394,000 |
| Allowance for loan losses | 560,000 | 645,000 | 685,000 | 720,000 |
| Securities available for sale | 2,332,000 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,312,000 | 57,491,000 | 60,120,000 | 70,452,000 |
| Interest-bearing deposits | 38,554,000 | 42,670,000 | 45,342,000 | 54,645,000 |
| Noninterest-bearing deposits | 11,758,000 | 14,821,000 | 14,778,000 | 15,807,000 |
| Equity capital | 8,234,000 | 8,359,000 | 8,508,000 | 8,777,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 761,000 | 1,684,000 | 2,612,000 | 3,735,000 |
| Interest expense | 76,000 | 153,000 | 240,000 | 344,000 |
| Net interest income | 685,000 | 1,531,000 | 2,372,000 | 3,391,000 |
| Noninterest income | 97,000 | 206,000 | 272,000 | 367,000 |
| Noninterest expense | 610,000 | 1,310,000 | 1,948,000 | 2,556,000 |
| Provision for loan losses | 68,000 | 153,000 | 193,000 | 228,000 |
| Pretax income | 104,000 | 274,000 | 503,000 | 974,000 |
| Income tax | 36,000 | 97,000 | 176,000 | 395,000 |
| Net income | 68,000 | 177,000 | 327,000 | 579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,109,000 | 8,268,000 | 8,355,000 | 8,777,000 |
| Total capital | 8,669,000 | 8,913,000 | 9,040,000 | 9,497,000 |
| Risk-weighted assets | 49,630,000 | 54,492,000 | 57,886,000 | 64,232,000 |