Call reports 2006
NORTH VALLEY BANK — 2006
What NORTH VALLEY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 116,260,000 | 116,980,000 | 122,960,000 | 115,828,000 |
| Total loans | 89,299,000 | 90,171,000 | 91,972,000 | 90,926,000 |
| Allowance for loan losses | 795,000 | 785,000 | 823,000 | 801,000 |
| Securities available for sale | 13,718,000 | 13,248,000 | 15,377,000 | 15,202,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,916,000 | 107,492,000 | 112,811,000 | 105,765,000 |
| Interest-bearing deposits | 72,061,000 | 69,948,000 | 74,236,000 | 69,984,000 |
| Noninterest-bearing deposits | 34,855,000 | 37,544,000 | 38,575,000 | 35,780,000 |
| Equity capital | 9,078,000 | 9,213,000 | 9,786,000 | 9,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,011,000 | 4,108,000 | 6,363,000 | 8,567,000 |
| Interest expense | 405,000 | 832,000 | 1,325,000 | 1,847,000 |
| Net interest income | 1,606,000 | 3,276,000 | 5,038,000 | 6,720,000 |
| Noninterest income | 290,000 | 595,000 | 896,000 | 1,291,000 |
| Noninterest expense | 1,098,000 | 2,227,000 | 3,331,000 | 4,453,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 753,000 | 1,554,000 | 2,468,000 | 3,378,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 753,000 | 1,554,000 | 2,468,000 | 3,378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,308,000 | 9,559,000 | 9,975,000 | 9,682,000 |
| Total capital | 10,103,000 | 10,344,000 | 10,798,000 | 10,483,000 |
| Risk-weighted assets | 95,037,000 | 97,818,000 | 100,566,000 | 97,565,000 |
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