Call reports 2012
NORTH VALLEY BANK — 2012
What NORTH VALLEY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 133,957,000 | 133,479,000 | 132,600,000 | 128,771,000 |
| Total loans | 99,158,000 | 96,605,000 | 98,152,000 | 103,327,000 |
| Allowance for loan losses | 2,533,000 | 2,412,000 | 2,566,000 | 2,112,000 |
| Securities available for sale | 1,582,000 | 593,000 | 569,000 | 8,267,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,840,000 | 118,233,000 | 117,231,000 | 112,871,000 |
| Interest-bearing deposits | 91,102,000 | 91,320,000 | 89,513,000 | 87,305,000 |
| Noninterest-bearing deposits | 27,738,000 | 26,913,000 | 27,718,000 | 25,566,000 |
| Equity capital | 12,583,000 | 12,841,000 | 12,893,000 | 13,337,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,565,000 | 3,115,000 | 4,685,000 | 6,255,000 |
| Interest expense | 113,000 | 212,000 | 302,000 | 388,000 |
| Net interest income | 1,452,000 | 2,903,000 | 4,383,000 | 5,867,000 |
| Noninterest income | 198,000 | 381,000 | 550,000 | 426,000 |
| Noninterest expense | 1,243,000 | 2,458,000 | 3,662,000 | 5,027,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 0 |
| Pretax income | 257,000 | 603,000 | 898,000 | 1,343,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 257,000 | 603,000 | 898,000 | 1,343,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,485,000 | 12,830,000 | 12,884,000 | 13,330,000 |
| Total capital | 13,669,000 | 14,002,000 | 14,069,000 | 14,548,000 |
| Risk-weighted assets | 93,380,000 | 92,671,000 | 93,544,000 | 95,780,000 |