Call reports 2010
NORTH VALLEY BANK — 2010
What NORTH VALLEY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 137,517,000 | 135,030,000 | 135,971,000 | 128,617,000 |
| Total loans | 110,504,000 | 106,265,000 | 106,168,000 | 109,301,000 |
| Allowance for loan losses | 1,536,000 | 1,650,000 | 1,801,000 | 1,534,000 |
| Securities available for sale | 6,213,000 | 4,359,000 | 4,339,000 | 3,430,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,023,000 | 112,929,000 | 114,596,000 | 109,679,000 |
| Interest-bearing deposits | 89,187,000 | 89,703,000 | 91,140,000 | 87,449,000 |
| Noninterest-bearing deposits | 23,836,000 | 23,226,000 | 23,456,000 | 22,230,000 |
| Equity capital | 14,040,000 | 14,265,000 | 14,484,000 | 13,244,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,935,000 | 3,770,000 | 5,534,000 | 7,339,000 |
| Interest expense | 304,000 | 594,000 | 832,000 | 1,058,000 |
| Net interest income | 1,631,000 | 3,176,000 | 4,702,000 | 6,281,000 |
| Noninterest income | 206,000 | 447,000 | 700,000 | 652,000 |
| Noninterest expense | 1,273,000 | 2,511,000 | 3,781,000 | 5,073,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 1,656,000 |
| Pretax income | 414,000 | 836,000 | 1,194,000 | 198,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 414,000 | 836,000 | 1,194,000 | 198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,868,000 | 14,125,000 | 14,294,000 | 13,122,000 |
| Total capital | 15,284,000 | 15,475,000 | 15,655,000 | 14,460,000 |
| Risk-weighted assets | 112,385,000 | 106,963,000 | 107,708,000 | 106,177,000 |
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