Call reports 2007
NORTH VALLEY BANK — 2007
What NORTH VALLEY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 122,193,000 | 127,187,000 | 127,744,000 | 124,750,000 |
| Total loans | 87,690,000 | 90,998,000 | 96,326,000 | 98,284,000 |
| Allowance for loan losses | 855,000 | 905,000 | 867,000 | 695,000 |
| Securities available for sale | 15,906,000 | 15,865,000 | 17,839,000 | 16,404,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,971,000 | 117,025,000 | 116,520,000 | 112,875,000 |
| Interest-bearing deposits | 76,636,000 | 78,710,000 | 79,590,000 | 76,302,000 |
| Noninterest-bearing deposits | 35,335,000 | 38,315,000 | 36,930,000 | 36,573,000 |
| Equity capital | 9,762,000 | 9,691,000 | 10,590,000 | 11,156,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,123,000 | 4,372,000 | 6,693,000 | 8,986,000 |
| Interest expense | 539,000 | 1,149,000 | 1,807,000 | 2,446,000 |
| Net interest income | 1,584,000 | 3,223,000 | 4,886,000 | 6,540,000 |
| Noninterest income | 245,000 | 519,000 | 788,000 | 1,084,000 |
| Noninterest expense | 1,099,000 | 2,286,000 | 3,481,000 | 4,690,000 |
| Provision for loan losses | 52,000 | 105,000 | 157,000 | 210,000 |
| Pretax income | 678,000 | 1,351,000 | 2,036,000 | 2,724,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 678,000 | 1,351,000 | 2,036,000 | 2,724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,860,000 | 10,035,000 | 10,721,000 | 11,106,000 |
| Total capital | 10,715,000 | 10,940,000 | 11,588,000 | 11,801,000 |
| Risk-weighted assets | 99,148,000 | 102,667,000 | 107,291,000 | 107,182,000 |
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