Call reports 2009
COMMUNITY BANKS OF NORTHERN CALIFORNIA — 2009
What COMMUNITY BANKS OF NORTHERN CALIFORNIA 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 | 178,326,000 | 121,729,000 | 147,041,000 | 145,485,000 |
| Total loans | 120,507,000 | 88,640,000 | 87,192,000 | 69,009,000 |
| Allowance for loan losses | 11,272,000 | 10,843,000 | 9,817,000 | 4,393,000 |
| Securities available for sale | 7,137,000 | 4,755,000 | 29,711,000 | 18,788,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,032,000 | 110,759,000 | 135,888,000 | 138,992,000 |
| Interest-bearing deposits | 150,489,000 | 100,586,000 | 124,873,000 | 127,677,000 |
| Noninterest-bearing deposits | 16,543,000 | 10,173,000 | 11,015,000 | 11,314,000 |
| Equity capital | 10,571,000 | 10,414,000 | 10,604,000 | 5,968,000 |
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 | 2,110,000 | 3,788,000 | 4,969,000 | 5,901,000 |
| Interest expense | 1,250,000 | 2,202,000 | 2,873,000 | 3,616,000 |
| Net interest income | 860,000 | 1,586,000 | 2,096,000 | 2,285,000 |
| Noninterest income | 162,000 | 533,000 | 706,000 | 1,039,000 |
| Noninterest expense | 5,712,000 | 7,125,000 | 8,195,000 | 9,357,000 |
| Provision for loan losses | 5,650,000 | 5,700,000 | 5,700,000 | 10,355,000 |
| Pretax income | -9,816,000 | -10,182,000 | -10,569,000 | -15,446,000 |
| Income tax | -1,891,000 | -2,033,000 | -2,160,000 | -2,147,000 |
| Net income | -7,925,000 | -8,149,000 | -8,409,000 | -13,299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,241,000 | 8,685,000 | 6,345,000 | 3,479,000 |
| Total capital | 10,987,000 | 10,004,000 | 7,593,000 | 4,530,000 |
| Risk-weighted assets | 130,150,000 | 96,025,000 | 91,302,000 | 80,704,000 |
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