Call reports 2006
COMMUNITY BANKS OF NORTHERN CALIFORNIA — 2006
What COMMUNITY BANKS OF NORTHERN CALIFORNIA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 137,074,000 | 139,226,000 | 142,789,000 | 143,056,000 |
| Total loans | 119,348,000 | 121,707,000 | 118,331,000 | 126,266,000 |
| Allowance for loan losses | 1,009,000 | 1,075,000 | 1,182,000 | 1,197,000 |
| Securities available for sale | 2,930,000 | 2,952,000 | 2,937,000 | 2,967,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,809,000 | 119,030,000 | 123,624,000 | 123,356,000 |
| Interest-bearing deposits | 101,728,000 | 102,920,000 | 107,812,000 | 106,639,000 |
| Noninterest-bearing deposits | 14,081,000 | 16,110,000 | 15,812,000 | 16,717,000 |
| Equity capital | 18,925,000 | 19,432,000 | 18,413,000 | 19,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,428,000 | 5,153,000 | 8,002,000 | 11,008,000 |
| Interest expense | 837,000 | 1,762,000 | 2,795,000 | 3,895,000 |
| Net interest income | 1,591,000 | 3,391,000 | 5,207,000 | 7,113,000 |
| Noninterest income | 256,000 | 427,000 | 569,000 | 690,000 |
| Noninterest expense | 1,068,000 | 2,114,000 | 3,184,000 | 4,193,000 |
| Provision for loan losses | 50,000 | 116,000 | 195,000 | 210,000 |
| Pretax income | 729,000 | 1,588,000 | 2,397,000 | 3,400,000 |
| Income tax | 299,000 | 651,000 | 983,000 | 1,396,000 |
| Net income | 430,000 | 937,000 | 1,414,000 | 2,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,491,000 | 15,051,000 | 14,047,000 | 14,657,000 |
| Total capital | 15,523,000 | 16,153,000 | 15,229,000 | 15,854,000 |
| Risk-weighted assets | 124,279,000 | 126,876,000 | 124,785,000 | 130,200,000 |
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