Call reports 2005
NAPA COMMUNITY BANK — 2005
What NAPA COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 73,068,000 | 77,946,000 | 78,708,000 | 84,612,000 |
| Total loans | 57,600,000 | 60,891,000 | 65,448,000 | 70,659,000 |
| Allowance for loan losses | 720,000 | 720,000 | 740,000 | 1,237,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,320,000 | 66,987,000 | 67,615,000 | 73,522,000 |
| Interest-bearing deposits | 44,574,000 | 45,057,000 | 46,279,000 | 52,977,000 |
| Noninterest-bearing deposits | 18,746,000 | 21,930,000 | 21,336,000 | 20,545,000 |
| Equity capital | 9,454,000 | 10,476,000 | 10,753,000 | 10,826,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,087,000 | 2,527,000 | 3,855,000 | 5,379,000 |
| Interest expense | 105,000 | 260,000 | 479,000 | 726,000 |
| Net interest income | 982,000 | 2,267,000 | 3,376,000 | 4,653,000 |
| Noninterest income | 79,000 | 171,000 | 280,000 | 409,000 |
| Noninterest expense | 667,000 | 1,381,000 | 2,121,000 | 2,862,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 517,000 |
| Pretax income | 394,000 | 1,057,000 | 1,515,000 | 1,683,000 |
| Income tax | 166,000 | 442,000 | 623,000 | 718,000 |
| Net income | 228,000 | 615,000 | 892,000 | 965,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,454,000 | 10,476,000 | 10,753,000 | 10,826,000 |
| Total capital | 10,174,000 | 11,196,000 | 11,493,000 | 11,814,000 |
| Risk-weighted assets | 65,510,000 | 69,410,000 | 73,324,000 | 78,786,000 |