Call reports 2019
NORTH VALLEY BANK — 2019
What NORTH VALLEY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 175,508,000 | 178,459,000 | 177,890,000 | 179,550,000 |
| Total loans | 152,915,000 | 156,606,000 | 160,774,000 | 163,028,000 |
| Allowance for loan losses | 1,608,000 | 1,608,000 | 1,665,000 | 1,723,000 |
| Securities available for sale | 9,000 | 9,000 | 9,000 | 8,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,493,000 | 156,938,000 | 154,385,000 | 155,759,000 |
| Interest-bearing deposits | 115,693,000 | 115,372,000 | 112,331,000 | 114,922,000 |
| Noninterest-bearing deposits | 38,800,000 | 41,566,000 | 42,054,000 | 40,837,000 |
| Equity capital | 20,676,000 | 21,185,000 | 21,602,000 | 21,747,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,469,000 | 5,096,000 | 7,819,000 | 10,377,000 |
| Interest expense | 184,000 | 393,000 | 619,000 | 844,000 |
| Net interest income | 2,285,000 | 4,703,000 | 7,200,000 | 9,533,000 |
| Noninterest income | 135,000 | 287,000 | 433,000 | 565,000 |
| Noninterest expense | 1,223,000 | 2,444,000 | 3,666,000 | 4,974,000 |
| Provision for loan losses | 0 | 0 | 60,000 | 120,000 |
| Pretax income | 1,197,000 | 2,546,000 | 3,907,000 | 5,004,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,197,000 | 2,546,000 | 3,907,000 | 5,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,676,000 | 21,185,000 | 21,602,000 | 21,747,000 |
| Total capital | 22,284,000 | 22,793,000 | 23,219,000 | 23,392,000 |
| Risk-weighted assets | 128,952,000 | 129,771,000 | 129,381,000 | 131,549,000 |