Call reports 2008
NAPA COMMUNITY BANK — 2008
What NAPA COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 128,471,000 | 136,243,000 | 144,472,000 | 149,093,000 |
| Total loans | 111,023,000 | 119,321,000 | 126,096,000 | 130,150,000 |
| Allowance for loan losses | 1,127,000 | 1,485,000 | 1,750,000 | 1,890,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,898,000 | 103,884,000 | 106,641,000 | 110,935,000 |
| Interest-bearing deposits | 88,028,000 | 81,228,000 | 84,067,000 | 87,576,000 |
| Noninterest-bearing deposits | 20,870,000 | 22,656,000 | 22,574,000 | 23,359,000 |
| Equity capital | 14,085,000 | 14,406,000 | 14,853,000 | 15,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,916,000 | 3,975,000 | 6,112,000 | 8,196,000 |
| Interest expense | 557,000 | 1,000,000 | 1,437,000 | 1,816,000 |
| Net interest income | 1,359,000 | 2,975,000 | 4,675,000 | 6,380,000 |
| Noninterest income | 119,000 | 265,000 | 439,000 | 424,000 |
| Noninterest expense | 879,000 | 1,729,000 | 2,597,000 | 3,408,000 |
| Provision for loan losses | 340,000 | 696,000 | 961,000 | 1,304,000 |
| Pretax income | 259,000 | 815,000 | 1,556,000 | 2,092,000 |
| Income tax | 113,000 | 348,000 | 642,000 | 869,000 |
| Net income | 146,000 | 467,000 | 914,000 | 1,223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,085,000 | 14,406,000 | 14,853,000 | 15,162,000 |
| Total capital | 15,212,000 | 15,891,000 | 16,580,000 | 16,920,000 |
| Risk-weighted assets | 123,460,000 | 131,776,000 | 138,173,000 | 140,524,000 |