Call reports 2015
NORTH VALLEY BANK — 2015
What NORTH VALLEY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 155,407,000 | 155,593,000 | 146,309,000 | 147,814,000 |
| Total loans | 111,555,000 | 112,204,000 | 112,359,000 | 107,547,000 |
| Allowance for loan losses | 1,542,000 | 1,531,000 | 1,530,000 | 1,529,000 |
| Securities available for sale | 9,084,000 | 12,107,000 | 10,071,000 | 8,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,589,000 | 139,596,000 | 129,927,000 | 130,533,000 |
| Interest-bearing deposits | 92,612,000 | 92,459,000 | 91,717,000 | 93,317,000 |
| Noninterest-bearing deposits | 46,977,000 | 47,137,000 | 38,210,000 | 37,216,000 |
| Equity capital | 15,548,000 | 15,847,000 | 16,121,000 | 16,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,751,000 | 3,493,000 | 5,247,000 | 6,958,000 |
| Interest expense | 48,000 | 97,000 | 144,000 | 191,000 |
| Net interest income | 1,703,000 | 3,396,000 | 5,103,000 | 6,767,000 |
| Noninterest income | 272,000 | 478,000 | 622,000 | 1,298,000 |
| Noninterest expense | 1,463,000 | 2,615,000 | 3,700,000 | 4,839,000 |
| Provision for loan losses | -250,000 | -250,000 | -250,000 | -250,000 |
| Pretax income | 762,000 | 1,509,000 | 2,275,000 | 3,476,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 762,000 | 1,509,000 | 2,275,000 | 3,476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,548,000 | 15,840,000 | 16,121,000 | 16,870,000 |
| Total capital | 16,734,000 | 17,061,000 | 17,330,000 | 18,053,000 |
| Risk-weighted assets | 94,544,000 | 97,365,000 | 96,391,000 | 94,304,000 |