Call reports 2005
COMMUNITY BANKS OF NORTHERN CALIFORNIA — 2005
What COMMUNITY BANKS OF NORTHERN CALIFORNIA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 102,159,000 | 102,064,000 | 124,616,000 | 134,044,000 |
| Total loans | 80,297,000 | 87,749,000 | 109,896,000 | 120,244,000 |
| Allowance for loan losses | 595,000 | 645,000 | 779,000 | 956,000 |
| Securities available for sale | 4,965,000 | 2,962,000 | 2,956,000 | 2,960,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,756,000 | 81,104,000 | 98,593,000 | 106,829,000 |
| Interest-bearing deposits | 73,832,000 | 68,778,000 | 83,774,000 | 92,836,000 |
| Noninterest-bearing deposits | 11,924,000 | 12,326,000 | 14,819,000 | 13,993,000 |
| Equity capital | 15,617,000 | 17,833,000 | 18,144,000 | 18,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,312,000 | 2,812,000 | 4,703,000 | 6,958,000 |
| Interest expense | 298,000 | 668,000 | 1,175,000 | 1,898,000 |
| Net interest income | 1,014,000 | 2,144,000 | 3,528,000 | 5,060,000 |
| Noninterest income | 148,000 | 327,000 | 553,000 | 762,000 |
| Noninterest expense | 804,000 | 1,734,000 | 2,685,000 | 3,664,000 |
| Provision for loan losses | 40,000 | 87,000 | 221,000 | 401,000 |
| Pretax income | 318,000 | 650,000 | 1,175,000 | 1,757,000 |
| Income tax | 139,000 | 264,000 | 479,000 | 718,000 |
| Net income | 179,000 | 386,000 | 696,000 | 1,039,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,155,000 | 13,381,000 | 13,711,000 | 14,073,000 |
| Total capital | 11,780,000 | 14,063,000 | 14,533,000 | 15,052,000 |
| Risk-weighted assets | 82,399,000 | 91,445,000 | 113,627,000 | 123,834,000 |