NRLB - Northern California Bancorp, Inc.
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| Metric | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 |
|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||
| Revenue | 11.3 | 15.2 | 17.3 | 11.8 | 13.3 | 15.7 | 11.4 | 9.1 |
| Cost of Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Gross Profit | 11.3 | 15.2 | 17.3 | 11.8 | 13.3 | 15.7 | 11.4 | 9.1 |
| Operating Expenses | ||||||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 7.0 | 8.8 | 8.6 | 3.8 | 7.6 | 3.9 | 3.3 | 3.0 |
| Other Expenses | (28.6) | (26.1) | (25.0) | (13.8) | (17.5) | (12.9) | (11.2) | (10.3) |
| Operating Expenses | (21.6) | (17.3) | (16.4) | (10.0) | (9.9) | (9.0) | (8.0) | (7.3) |
| Operating Income | ||||||||
| Operating Income | (10.3) | (2.1) | 1.0 | 1.7 | 3.4 | 6.7 | 3.4 | 1.8 |
| Interest Expense | 4.1 | 5.7 | 8.1 | 9.7 | 8.0 | 5.2 | 3.7 | 2.4 |
| Interest Income | 11.3 | 12.4 | 15.3 | 16.5 | 16.9 | 13.8 | 10.7 | 7.4 |
| Profitability | ||||||||
| EBITDA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EBIT | (0.3) | (0.4) | (0.3) | (0.3) | 0.1 | (0.6) | (0.5) | (0.4) |
| Income Before Tax | (10.3) | (2.1) | 1.0 | 1.7 | 3.4 | 6.7 | 3.4 | 1.8 |
| Income Tax Expense | 3.4 | (1.4) | (0.7) | 0.3 | 1.5 | 2.9 | 1.5 | 0.8 |
| Net Income | (13.7) | (0.7) | 1.6 | 1.5 | 1.9 | 3.8 | 1.9 | 1.1 |
| Per Share Data | ||||||||
| EPS (Basic) | -7.64 | -0.40 | 0.90 | 0.80 | 1.08 | 2.31 | 1.20 | 0.68 |
| EPS (Diluted) | -7.64 | -0.40 | 0.90 | 0.79 | 1.03 | 2.09 | 1.00 | 0.56 |
| Shares Outstanding | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.7 | 1.6 | 1.6 |
| Metric | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 |
|---|---|---|---|---|---|---|---|---|
| Current Assets | ||||||||
| Cash & Cash Equivalents | 10.5 | 16.4 | 12.3 | 19.8 | 8.1 | 6.0 | 5.8 | 5.6 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 3.1 | 9.8 | 7.8 | 5.3 | 7.5 | 2.8 | 2.2 | 1.9 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 13.6 | 26.2 | 20.1 | 25.1 | 15.6 | 8.8 | 8.1 | 7.5 |
| Non-Current Assets | ||||||||
| Property, Plant & Equipment | 4.4 | 4.8 | 4.9 | 5.0 | 4.9 | 4.6 | 4.4 | 2.2 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 45.0 | 48.0 | 66.7 | 97.6 | 48.7 | 26.0 | 21.1 | 15.7 |
| Other Non-Current Assets | (49.5) | (52.8) | (71.6) | (102.6) | (53.6) | (30.6) | (25.5) | (17.9) |
| Total Non-Current Assets | 49.5 | 52.8 | 71.6 | 102.6 | 53.6 | 30.6 | 25.5 | 17.9 |
| Total Assets | 245.7 | 263.6 | 273.3 | 306.2 | 253.9 | 190.6 | 162.6 | 134.0 |
| Current Liabilities | ||||||||
| Account Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 2.7 | 3.0 | 2.9 | 3 | 0 | 0 | 0 | 0 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | (2.7) | (3.0) | (7.5) | (6.0) | (11.3) | (3.5) | (2.6) | (1.6) |
| Total Current Liabilities | 2.7 | 2.7 | 2.9 | 0 | 0 | 0 | 0 | 0 |
| Non-Current Liabilities | ||||||||
| Long-Term Debt | 23.2 | 27.5 | 37.2 | 74.7 | 60.7 | 40.2 | 31.0 | 27.9 |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | (23.2) | (27.5) | (37.2) | (74.7) | (60.7) | (40.2) | (31.0) | (27.9) |
| Total Non-Current Liabilities | 31.2 | 33.5 | 37.2 | 77.7 | 60.7 | 43.0 | 33.0 | 27.9 |
| Total Liabilities | 242.1 | 249.3 | 257.1 | 77.7 | 60.7 | 43.0 | 33.0 | 27.9 |
| Stockholders' Equity | ||||||||
| Common Stock | 0 | 0 | 0 | 0 | 5.5 | 5.1 | 4.8 | 4.7 |
| Retained Earnings | (3.3) | 10.4 | 11.1 | 9.5 | 8.8 | 7.4 | 4.1 | 2.5 |
| Accumulated Other Comprehensive Income | 1.8 | (1.2) | (0.0) | (0.3) | 0.1 | (0.0) | 0.0 | 0.1 |
| Total Stockholders' Equity | 3.6 | 14.3 | 16.1 | 14.4 | 14.4 | 12.4 | 8.9 | 7.3 |
| Total Liabilities & Equity | 245.7 | 263.6 | 273.3 | 306.2 | 253.9 | 190.6 | 162.6 | 134.0 |
| Debt Metrics | ||||||||
| Total Debt | 33.9 | 36.2 | 40.1 | 77.7 | 60.7 | 43.0 | 33.0 | 27.9 |
| Net Debt | 23.4 | 19.8 | 27.8 | 57.9 | 52.7 | 37.0 | 27.2 | 22.3 |
| Metric | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 |
|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||
| Net Income | (13.7) | (0.7) | 1.6 | 1.5 | 1.9 | 3.8 | 1.9 | 1.1 |
| Depreciation & Amortization | 0.3 | 0.4 | 0.3 | 0.0 | 0.7 | 0.6 | 0.5 | 0.4 |
| Stock-Based Compensation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Working Capital | 4.3 | (1.3) | (3.4) | 5.1 | (2.3) | 2.5 | (0.2) | (3.2) |
| Other Non-Cash Items | 7.8 | (0.0) | 0.5 | 0.4 | 0.5 | (0.9) | 0.2 | 0.1 |
| Operating Cash Flow | 2.2 | (2.2) | (2.7) | 6.4 | 0.8 | 6.0 | 2.3 | (1.7) |
| Investing Activities | ||||||||
| Capital Expenditure | (0.1) | (0.3) | (0.3) | (0.4) | (0.5) | (0.5) | (2.4) | (0.2) |
| Acquisitions | (8.9) | 3.1 | (6.2) | 0 | 0 | 0 | 0 | 0 |
| Purchases of Investments | (7.2) | (9.5) | (105.8) | (106.6) | (41.9) | (8.6) | (6.0) | (15.6) |
| Sales/Maturities of Investments | 14.0 | 27.2 | 137.9 | 55.0 | 24.2 | 5.8 | 0.6 | 8.6 |
| Other Investing Activities | (8.3) | (2.7) | (3.3) | (10.8) | (38.8) | (28.2) | (15.2) | (16.5) |
| Investing Cash Flow | (1.6) | 14.7 | 28.6 | (62.4) | (56.5) | (30.9) | (20.7) | (23.6) |
| Financing Activities | ||||||||
| Net Debt Issuance | (2) | (13.9) | (42.7) | 32 | 17.8 | 10 | 5.1 | 5.9 |
| Stock Repurchased | 0 | 0 | (0.1) | (0.3) | 0 | 0 | 0 | 0 |
| Dividends Paid | 0 | 0 | 0 | (0.5) | (0.5) | (0.6) | (0.3) | (0.3) |
| Other Financing Activities | (4.4) | 5.6 | 12.7 | 21.0 | 35.7 | 13.5 | 20.9 | 19.1 |
| Financing Cash Flow | (6.4) | (8.3) | (30.0) | 52.2 | 53.4 | 23.2 | 25.7 | 24.9 |
| Cash Position | ||||||||
| Net Change in Cash | (5.9) | 4.1 | (4.1) | (3.8) | (2.3) | (1.7) | 7.3 | (0.4) |
| Cash at Beginning | 16.4 | 12.3 | 16.3 | 20.2 | 22.4 | 24.1 | 16.8 | 17.2 |
| Cash at End | 10.5 | 16.4 | 12.3 | 16.3 | 20.2 | 22.4 | 24.1 | 16.8 |
| Free Cash Flow | 2.1 | (2.5) | (2.9) | 6.0 | 0.2 | 5.5 | (0.1) | (1.9) |
| Key Metrics | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 |
|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||
| Revenue | 11.3 | 15.2 | 17.3 | 11.8 | 13.3 | 15.7 | 11.4 | 9.1 |
| Gross Profit | 11.3 | 15.2 | 17.3 | 11.8 | 13.3 | 15.7 | 11.4 | 9.1 |
| Operating Income | (10.3) | (2.1) | 1.0 | 1.7 | 3.4 | 6.7 | 3.4 | 1.8 |
| Net Income | (13.7) | (0.7) | 1.6 | 1.5 | 1.9 | 3.8 | 1.9 | 1.1 |
| EPS (Diluted) | -7.64 | -0.40 | 0.90 | 0.79 | 1.03 | 2.09 | 1.00 | 0.56 |
| Balance Sheet | ||||||||
| Cash & Equivalents | 10.5 | 16.4 | 12.3 | 19.8 | 8.1 | 6.0 | 5.8 | 5.6 |
| Total Assets | 245.7 | 263.6 | 273.3 | 306.2 | 253.9 | 190.6 | 162.6 | 134.0 |
| Total Debt | 33.9 | 36.2 | 40.1 | 77.7 | 60.7 | 43.0 | 33.0 | 27.9 |
| Stockholders' Equity | 3.6 | 14.3 | 16.1 | 14.4 | 14.4 | 12.4 | 8.9 | 7.3 |
| Cash Flow | ||||||||
| Operating Cash Flow | 2.2 | (2.2) | (2.7) | 6.4 | 0.8 | 6.0 | 2.3 | (1.7) |
| Capital Expenditure | (0.1) | (0.3) | (0.3) | (0.4) | (0.5) | (0.5) | (2.4) | (0.2) |
| Free Cash Flow | 2.1 | (2.5) | (2.9) | 6.0 | 0.2 | 5.5 | (0.1) | (1.9) |