Call reports 2006
NAPA COMMUNITY BANK — 2006
What NAPA COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 83,903,000 | 81,326,000 | 87,246,000 | 99,506,000 |
| Total loans | 69,074,000 | 74,213,000 | 74,671,000 | 78,992,000 |
| Allowance for loan losses | 1,237,000 | 1,237,000 | 1,035,000 | 1,020,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,454,000 | 68,161,000 | 73,577,000 | 86,710,000 |
| Interest-bearing deposits | 53,306,000 | 51,778,000 | 55,403,000 | 64,030,000 |
| Noninterest-bearing deposits | 19,148,000 | 16,383,000 | 18,174,000 | 22,680,000 |
| Equity capital | 11,101,000 | 11,420,000 | 11,880,000 | 12,397,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,518,000 | 3,082,000 | 4,761,000 | 6,640,000 |
| Interest expense | 308,000 | 655,000 | 1,057,000 | 1,509,000 |
| Net interest income | 1,210,000 | 2,427,000 | 3,704,000 | 5,131,000 |
| Noninterest income | 112,000 | 225,000 | 366,000 | 572,000 |
| Noninterest expense | 839,000 | 1,615,000 | 2,461,000 | 3,308,000 |
| Provision for loan losses | 0 | 0 | -202,000 | -217,000 |
| Pretax income | 483,000 | 1,037,000 | 1,811,000 | 2,612,000 |
| Income tax | 208,000 | 443,000 | 757,000 | 1,041,000 |
| Net income | 275,000 | 594,000 | 1,054,000 | 1,571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,101,000 | 11,420,000 | 11,880,000 | 12,397,000 |
| Total capital | 12,076,000 | 12,432,000 | 12,915,000 | 13,417,000 |
| Risk-weighted assets | 77,751,000 | 80,727,000 | 83,228,000 | 90,225,000 |