Call reports 2004
NORTH VALLEY BANK — 2004
What NORTH VALLEY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 94,548,000 | 106,978,000 | 106,750,000 | 106,661,000 |
| Total loans | 74,455,000 | 81,320,000 | 77,673,000 | 75,780,000 |
| Allowance for loan losses | 755,000 | 758,000 | 773,000 | 787,000 |
| Securities available for sale | 8,577,000 | 16,907,000 | 16,269,000 | 14,972,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,725,000 | 97,535,000 | 98,423,000 | 98,307,000 |
| Interest-bearing deposits | 56,104,000 | 66,257,000 | 66,803,000 | 67,083,000 |
| Noninterest-bearing deposits | 30,621,000 | 31,278,000 | 31,620,000 | 31,224,000 |
| Equity capital | 7,613,000 | 7,904,000 | 8,057,000 | 7,983,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,504,000 | 3,043,000 | 4,710,000 | 6,423,000 |
| Interest expense | 169,000 | 381,000 | 610,000 | 834,000 |
| Net interest income | 1,335,000 | 2,662,000 | 4,100,000 | 5,589,000 |
| Noninterest income | 319,000 | 666,000 | 998,000 | 1,338,000 |
| Noninterest expense | 1,073,000 | 2,068,000 | 3,098,000 | 4,198,000 |
| Provision for loan losses | 37,000 | 75,000 | 113,000 | 150,000 |
| Pretax income | 561,000 | 1,202,000 | 1,904,000 | 2,596,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 561,000 | 1,202,000 | 1,904,000 | 2,596,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,496,000 | 8,137,000 | 7,999,000 | 7,991,000 |
| Total capital | 8,251,000 | 8,895,000 | 8,772,000 | 8,778,000 |
| Risk-weighted assets | 79,337,000 | 86,553,000 | 84,094,000 | 82,104,000 |
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