Call reports 2009
NAPA COMMUNITY BANK — 2009
What NAPA COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 145,175,000 | 158,232,000 | 163,013,000 | 166,905,000 |
| Total loans | 135,991,000 | 137,351,000 | 141,984,000 | 141,357,000 |
| Allowance for loan losses | 1,866,000 | 2,091,000 | 2,550,000 | 2,493,000 |
| Securities available for sale | 0 | 1,000,000 | 1,003,000 | 1,002,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,285,000 | 116,642,000 | 128,182,000 | 142,366,000 |
| Interest-bearing deposits | 87,669,000 | 91,413,000 | 100,659,000 | 115,871,000 |
| Noninterest-bearing deposits | 21,616,000 | 25,229,000 | 27,523,000 | 26,495,000 |
| Equity capital | 15,649,000 | 16,088,000 | 16,388,000 | 15,658,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,056,000 | 4,224,000 | 6,383,000 | 8,578,000 |
| Interest expense | 289,000 | 591,000 | 896,000 | 1,224,000 |
| Net interest income | 1,767,000 | 3,633,000 | 5,487,000 | 7,354,000 |
| Noninterest income | 3,000 | 136,000 | 281,000 | 360,000 |
| Noninterest expense | 956,000 | 1,973,000 | 2,854,000 | 3,678,000 |
| Provision for loan losses | -24,000 | 201,000 | 832,000 | 3,174,000 |
| Pretax income | 838,000 | 1,595,000 | 2,082,000 | 862,000 |
| Income tax | 351,000 | 669,000 | 858,000 | 377,000 |
| Net income | 487,000 | 926,000 | 1,224,000 | 485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,649,000 | 16,088,000 | 16,386,000 | 15,656,000 |
| Total capital | 17,396,000 | 17,890,000 | 18,252,000 | 17,530,000 |
| Risk-weighted assets | 139,651,000 | 143,843,000 | 148,601,000 | 149,339,000 |