Call reports 2003
NORTH VALLEY BANK — 2003
What NORTH VALLEY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 93,386,000 | 94,413,000 | 91,833,000 | 95,222,000 |
| Total loans | 68,670,000 | 71,529,000 | 71,402,000 | 70,449,000 |
| Allowance for loan losses | 644,000 | 714,000 | 675,000 | 731,000 |
| Securities available for sale | 14,427,000 | 11,439,000 | 12,091,000 | 9,582,000 |
| Securities held to maturity | 484,000 | 6,000 | 6,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,733,000 | 87,556,000 | 84,595,000 | 86,235,000 |
| Interest-bearing deposits | 59,325,000 | 58,544,000 | 55,355,000 | 55,851,000 |
| Noninterest-bearing deposits | 27,408,000 | 29,012,000 | 29,240,000 | 30,383,000 |
| Equity capital | 6,431,000 | 6,672,000 | 6,929,000 | 7,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,518,000 | 3,123,000 | 4,693,000 | 6,170,000 |
| Interest expense | 192,000 | 378,000 | 557,000 | 730,000 |
| Net interest income | 1,326,000 | 2,745,000 | 4,136,000 | 5,440,000 |
| Noninterest income | 327,000 | 655,000 | 1,017,000 | 1,386,000 |
| Noninterest expense | 1,138,000 | 2,217,000 | 3,332,000 | 4,435,000 |
| Provision for loan losses | 58,000 | 182,000 | 309,000 | 354,000 |
| Pretax income | 475,000 | 1,083,000 | 1,594,000 | 2,129,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 475,000 | 1,083,000 | 1,594,000 | 2,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,141,000 | 6,449,000 | 6,960,000 | 7,294,000 |
| Total capital | 6,785,000 | 7,163,000 | 7,635,000 | 8,025,000 |
| Risk-weighted assets | 75,822,000 | 78,754,000 | 76,883,000 | 75,676,000 |
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