Call reports 2011
NORTH VALLEY BANK — 2011
What NORTH VALLEY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 135,881,000 | 137,863,000 | 141,822,000 | 130,787,000 |
| Total loans | 105,932,000 | 105,513,000 | 106,100,000 | 103,571,000 |
| Allowance for loan losses | 1,595,000 | 2,009,000 | 2,046,000 | 2,424,000 |
| Securities available for sale | 2,279,000 | 4,096,000 | 1,702,000 | 1,604,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,383,000 | 119,866,000 | 124,649,000 | 114,869,000 |
| Interest-bearing deposits | 93,427,000 | 96,689,000 | 100,349,000 | 90,100,000 |
| Noninterest-bearing deposits | 22,956,000 | 23,177,000 | 24,300,000 | 24,769,000 |
| Equity capital | 13,566,000 | 13,403,000 | 13,654,000 | 12,329,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,639,000 | 3,266,000 | 4,895,000 | 6,513,000 |
| Interest expense | 201,000 | 381,000 | 535,000 | 665,000 |
| Net interest income | 1,438,000 | 2,885,000 | 4,360,000 | 5,848,000 |
| Noninterest income | 178,000 | 384,000 | 525,000 | 744,000 |
| Noninterest expense | 1,145,000 | 2,323,000 | 3,507,000 | 4,772,000 |
| Provision for loan losses | 150,000 | 770,000 | 920,000 | 2,597,000 |
| Pretax income | 358,000 | 213,000 | 498,000 | -737,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 358,000 | 213,000 | 498,000 | -737,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,481,000 | 13,337,000 | 13,547,000 | 12,227,000 |
| Total capital | 14,783,000 | 14,629,000 | 14,837,000 | 13,477,000 |
| Risk-weighted assets | 103,114,000 | 102,002,000 | 101,720,000 | 98,859,000 |