Call reports 2003
COMMUNITY BANKS OF NORTHERN CALIFORNIA — 2003
What COMMUNITY BANKS OF NORTHERN CALIFORNIA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 95,613,000 | 97,446,000 | 95,915,000 | 94,354,000 |
| Total loans | 68,828,000 | 63,752,000 | 61,553,000 | 61,064,000 |
| Allowance for loan losses | 512,000 | 521,000 | 625,000 | 623,000 |
| Securities available for sale | 12,887,000 | 1,181,000 | 1,134,000 | 1,594,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,436,000 | 86,115,000 | 84,344,000 | 82,641,000 |
| Interest-bearing deposits | 76,369,000 | 77,405,000 | 75,202,000 | 73,563,000 |
| Noninterest-bearing deposits | 8,067,000 | 8,710,000 | 9,141,000 | 9,078,000 |
| Equity capital | 10,960,000 | 11,040,000 | 11,166,000 | 11,273,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 407,000 | 1,508,000 | 2,620,000 | 3,716,000 |
| Interest expense | 151,000 | 474,000 | 772,000 | 1,023,000 |
| Net interest income | 256,000 | 1,034,000 | 1,848,000 | 2,693,000 |
| Noninterest income | 72,000 | 252,000 | 425,000 | 503,000 |
| Noninterest expense | 304,000 | 1,137,000 | 1,920,000 | 2,658,000 |
| Provision for loan losses | 0 | 9,000 | 9,000 | 9,000 |
| Pretax income | 24,000 | 166,000 | 370,000 | 555,000 |
| Income tax | 10,000 | 67,000 | 148,000 | 223,000 |
| Net income | 14,000 | 99,000 | 222,000 | 332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,999,000 | 6,352,000 | 6,545,000 | 6,676,000 |
| Total capital | 7,511,000 | 6,873,000 | 7,170,000 | 7,299,000 |
| Risk-weighted assets | 58,759,000 | 57,186,000 | 58,467,000 | 60,477,000 |