Call reports 2007
COMMUNITY BANKS OF NORTHERN CALIFORNIA — 2007
What COMMUNITY BANKS OF NORTHERN CALIFORNIA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 154,142,000 | 161,986,000 | 167,064,000 | 174,289,000 |
| Total loans | 136,890,000 | 141,244,000 | 145,107,000 | 146,509,000 |
| Allowance for loan losses | 1,227,000 | 1,300,000 | 1,377,000 | 2,441,000 |
| Securities available for sale | 2,988,000 | 2,992,000 | 3,010,000 | 3,016,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,527,000 | 131,810,000 | 139,302,000 | 153,808,000 |
| Interest-bearing deposits | 110,498,000 | 113,127,000 | 122,335,000 | 135,373,000 |
| Noninterest-bearing deposits | 18,029,000 | 18,683,000 | 16,967,000 | 18,435,000 |
| Equity capital | 19,494,000 | 19,920,000 | 20,303,000 | 19,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,105,000 | 6,421,000 | 9,791,000 | 12,910,000 |
| Interest expense | 1,180,000 | 2,510,000 | 3,933,000 | 5,394,000 |
| Net interest income | 1,925,000 | 3,911,000 | 5,858,000 | 7,516,000 |
| Noninterest income | 115,000 | 220,000 | 330,000 | 461,000 |
| Noninterest expense | 1,179,000 | 2,471,000 | 3,812,000 | 5,256,000 |
| Provision for loan losses | 35,000 | 110,000 | 190,000 | 1,340,000 |
| Pretax income | 826,000 | 1,550,000 | 2,186,000 | 1,381,000 |
| Income tax | 342,000 | 643,000 | 905,000 | 574,000 |
| Net income | 484,000 | 907,000 | 1,281,000 | 807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,162,000 | 15,606,000 | 15,998,000 | 15,545,000 |
| Total capital | 16,389,000 | 16,906,000 | 17,375,000 | 17,507,000 |
| Risk-weighted assets | 142,399,000 | 151,824,000 | 153,832,000 | 156,460,000 |