Call reports 2007
NAPA COMMUNITY BANK — 2007
What NAPA COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 120,150,000 | 119,763,000 | 131,880,000 | 131,479,000 |
| Total loans | 78,384,000 | 88,632,000 | 99,092,000 | 100,253,000 |
| Allowance for loan losses | 1,005,000 | 962,000 | 1,052,000 | 1,069,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,810,000 | 106,327,000 | 118,022,000 | 117,004,000 |
| Interest-bearing deposits | 88,371,000 | 87,465,000 | 93,094,000 | 91,885,000 |
| Noninterest-bearing deposits | 18,439,000 | 18,862,000 | 24,928,000 | 25,119,000 |
| Equity capital | 12,745,000 | 13,023,000 | 13,463,000 | 13,939,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,038,000 | 4,172,000 | 6,516,000 | 8,843,000 |
| Interest expense | 693,000 | 1,512,000 | 2,322,000 | 3,047,000 |
| Net interest income | 1,345,000 | 2,660,000 | 4,194,000 | 5,796,000 |
| Noninterest income | 200,000 | 315,000 | 516,000 | 640,000 |
| Noninterest expense | 958,000 | 1,903,000 | 2,806,000 | 3,694,000 |
| Provision for loan losses | -15,000 | -15,000 | 90,000 | 107,000 |
| Pretax income | 602,000 | 1,087,000 | 1,814,000 | 2,635,000 |
| Income tax | 254,000 | 461,000 | 748,000 | 1,093,000 |
| Net income | 348,000 | 626,000 | 1,066,000 | 1,542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,745,000 | 13,023,000 | 13,463,000 | 13,939,000 |
| Total capital | 13,750,000 | 13,985,000 | 14,515,000 | 15,008,000 |
| Risk-weighted assets | 93,989,000 | 103,781,000 | 114,983,000 | 115,538,000 |