Call reports 2009
NORTH VALLEY BANK — 2009
What NORTH VALLEY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 134,745,000 | 132,835,000 | 134,685,000 | 132,632,000 |
| Total loans | 110,094,000 | 110,298,000 | 107,741,000 | 107,706,000 |
| Allowance for loan losses | 1,187,000 | 1,261,000 | 1,364,000 | 1,429,000 |
| Securities available for sale | 8,831,000 | 7,007,000 | 6,805,000 | 6,235,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,198,000 | 110,776,000 | 111,807,000 | 111,234,000 |
| Interest-bearing deposits | 84,592,000 | 87,044,000 | 86,683,000 | 85,770,000 |
| Noninterest-bearing deposits | 24,606,000 | 23,732,000 | 25,124,000 | 25,464,000 |
| Equity capital | 13,129,000 | 13,089,000 | 13,769,000 | 13,934,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,058,000 | 4,026,000 | 6,025,000 | 8,027,000 |
| Interest expense | 498,000 | 971,000 | 1,383,000 | 1,739,000 |
| Net interest income | 1,560,000 | 3,055,000 | 4,642,000 | 6,288,000 |
| Noninterest income | 183,000 | 448,000 | 715,000 | 914,000 |
| Noninterest expense | 1,238,000 | 2,539,000 | 3,756,000 | 4,974,000 |
| Provision for loan losses | 175,000 | 390,000 | 544,000 | 664,000 |
| Pretax income | 403,000 | 678,000 | 1,161,000 | 1,668,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 403,000 | 678,000 | 1,161,000 | 1,668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,003,000 | 13,079,000 | 13,561,000 | 13,805,000 |
| Total capital | 14,190,000 | 14,341,000 | 14,925,000 | 15,185,000 |
| Risk-weighted assets | 113,869,000 | 113,863,000 | 110,741,000 | 110,326,000 |
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