Northern California Bancorp, Inc.

NRLB

NRLBNorthern California Bancorp, Inc. US flag

Other OTC

0.04

USD

- -

1.89MMarket Cap

Income Statement (USD)

API Chat

	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y
Sales/Revenue/Turnover	9	11	16	13	12	17	15	11
+ Sales & Services Revenue	9	11	16	13	12	17	15	11
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	-2	-3	-7	-3	-2	-1	2	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	3	3	4	8	8	9	11	7
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-3	-3	-4	-8	-8	-9	-11	-7
Operating Income (Loss)	2	3	7	3	2	1	-2	- -
- Non-Operating (Income) Loss	- -	- -	- -	- -	- -	- -	- -	10
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	- -	- -	- -	- -	- -	- -	- -	10
Pretax Income	2	3	7	3	2	1	-2	-10
- Income Tax Expense (Benefit)	1	1	3	1	- -	-1	-1	3
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	1	2	4	2	1	2	-1	-14
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	1	2	4	2	1	2	-1	-14
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	1	2	4	2	1	2	-1	-14
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	1	2	4	2	1	2	-1	-14
EBIT	2	3	7	3	2	1	-2	- -
EBITDA	2	4	7	3	2	1	-2	- -
EBITDA Margin (%)	24.15	34.19	46.45	25.05	17.44	7.42	-11.24	2.76
EBITA	2	3	7	3	2	1	-2	- -
Gross Margin (%)	100	100	100	100	100	100	100	100
Operating Margin (%)	20.18	30.04	42.59	25.65	14.79	5.5	-13.63	- -
Profit Margin (%)	11.65	16.95	24.38	14.53	12.41	9.31	-4.63	-120.36
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.16	0.2	0.36	0.26	0.25	- -	- -	- -
Depreciation Expense	- -	- -	1	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	2	2	2	2	2	2	2	2
Basic EPS, GAAP	0.66	1.2	2.31	1.08	0.8	0.9	-0.4	-7.64
Basic EPS from Cont Ops	0.66	1.2	2.31	1.08	0.8	0.9	-0.4	-7.64
Diluted Weighted Avg Shares	2	2	2	2	2	2	2	2
Diluted EPS, GAAP	0.66	1.2	2.09	1.03	0.79	0.9	-0.4	-7.64
Diluted EPS from Cont Ops	0.66	1.2	2.09	1.03	0.79	0.9	-0.4	-7.64

Balance Sheet (USD)

API Chat

	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	6	6	6	8	20	12	16	11
+ Cash & Cash Equivalents	6	6	6	8	20	12	16	11
+ ST Investments	- -	- -	- -	- -	- -	- -	- -	- -
+ Accounts & Notes Receiv	2	2	3	8	5	8	10	3
+ Accounts Receivable, Net	- -	- -	- -	- -	5	8	10	3
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	2	2	3	8	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-8	-8	-9	-16	-25	-20	-26	-14
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	- -	- -	- -	- -	5	5	5	4
+ Property, Plant & Equip	- -	- -	- -	- -	8	8	8	8
- Accumulated Depreciation	- -	- -	- -	- -	3	3	3	3
+ LT Investments & Receivables	16	21	26	49	98	67	48	45
+ LT Investments	16	21	26	49	98	67	48	45
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-16	-21	-26	-49	-103	-72	-53	-49
+ Total Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Goodwill	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-16	-21	-26	-49	-103	-72	-53	-49
Total Assets	134	163	191	254	306	273	264	246
+ Payables & Accruals	2	3	4	11	9	5	5	5
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	2	3	4	11	9	5	5	5
+ ST Debt	- -	- -	- -	- -	3	3	3	3
+ ST Borrowings	- -	- -	- -	- -	3	3	3	3
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-2	-3	-4	-11	-12	-7	-8	-7
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-2	-3	-4	-11	-12	-7	-8	-7
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	28	33	43	61	75	37	33	31
+ LT Borrowings	28	33	43	61	75	37	33	31
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-28	-33	-43	-61	-75	-37	-33	-31
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-28	-33	-43	-61	-75	-37	-33	-31
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	127	154	178	239	292	257	249	242
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	5	5	5	6	5	5	5	5
+ Common Stock	5	5	5	6	- -	- -	- -	- -
+ Additional Paid in Capital	- -	- -	- -	- -	5	5	5	5
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	3	4	7	9	9	11	10	-3
+ Other Equity	- -	- -	- -	- -	- -	- -	-1	2
Equity Before Minority Interest	7	9	12	14	14	16	14	4
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	7	9	12	14	14	16	14	4
Total Liabilities & Equity	134	163	191	254	306	273	264	246
Shares Outstanding	2	2	2	2	2	2	2	2
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	22	27	37	53	58	28	20	23
Net Debt to Equity	304.38	304.19	298.49	365.01	403.43	172.42	138.65	651.06
Tangible Common Equity Ratio	5.46	5.49	6.51	5.69	4.69	5.91	5.43	1.46
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y
+ Net Income	1	2	4	2	1	2	-1	-14
+ Depreciation & Amortization	- -	- -	1	- -	- -	- -	- -	- -
+ Non-Cash Items	- -	- -	-1	1	-1	-1	-1	11
+ Stock-Based Compensation	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Income Taxes	- -	- -	- -	- -	-1	-2	-1	3
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	- -	- -	-1	1	- -	- -	- -	8
+ Chg in Non-Cash Work Cap	-3	- -	3	-4	5	-3	-1	4
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	-1	1	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	-1	- -	- -
+ Inc (Dec) in Other	-3	- -	3	-4	6	-4	-2	4
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	-2	2	6	-1	6	-3	-2	2
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	- -	- -	- -	- -	- -	- -
+ Increase in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Change in LT Investment	-7	-5	-3	-18	-52	32	17	7
+ Dec in LT Investment	9	1	6	24	55	138	27	14
+ Inc in LT Investment	-16	-6	-9	-42	-107	-106	-9	-7
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-16	-15	-28	-38	-10	-3	-2	-8
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-24	-21	-31	-56	-62	29	15	-2
+ Dividends Paid	- -	- -	-1	- -	- -	- -	- -	- -
+ Net Cash From Debt	6	5	10	18	32	-43	-14	-2
+ Cash From Debt	14	10	12	20	50	50	5	4
+ Repayments of Debt	-8	-5	-2	-3	-18	-93	-19	-6
+ Other Financing Activities	19	21	14	38	21	13	6	-4
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	25	26	23	55	52	-30	-8	-6
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	- -	7	-2	-2	-4	-4	4	-6
EBITDA	2	4	7	3	2	1	-2	- -
EBITDA Margin (%)	24.15	34.19	46.45	25.05	17.44	7.42	-11.24	2.76
Free Cash Flow	-2	2	6	-1	6	-3	-3	2
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	-2	2	6	-1	6	- -	- -	- -
Free Cash Flow to Equity	- -	7	16	16	38	-46	-16	- -
Free Cash Flow per Basic Share	-1.05	1.43	3.63	-0.79	3.28	-1.64	-1.41	1.16
Price/Free Cash Flow	- -	- -	- -	-13.92	0.81	-2.62	-2.03	0.28
Cash Flow to Net Income	-1.58	1.19	1.57	-0.73	4.38	-1.67	3.16	-0.16
Capital Expenditures	- -	- -	- -	- -	- -	- -	- -	- -