Call reports 2020
NORTH VALLEY BANK — 2020
What NORTH VALLEY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 177,290,000 | 191,963,000 | 195,645,000 | 203,754,000 |
| Total loans | 160,147,000 | 163,279,000 | 169,858,000 | 170,531,000 |
| Allowance for loan losses | 1,783,000 | 1,873,000 | 1,962,000 | 2,047,000 |
| Securities available for sale | 8,000 | 8,000 | 7,000 | 7,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,304,000 | 167,313,000 | 170,752,000 | 178,393,000 |
| Interest-bearing deposits | 111,209,000 | 117,679,000 | 119,963,000 | 124,477,000 |
| Noninterest-bearing deposits | 42,095,000 | 49,634,000 | 50,789,000 | 53,916,000 |
| Equity capital | 22,109,000 | 22,763,000 | 22,971,000 | 23,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,555,000 | 5,367,000 | 7,817,000 | 10,341,000 |
| Interest expense | 215,000 | 380,000 | 530,000 | 659,000 |
| Net interest income | 2,340,000 | 4,987,000 | 7,287,000 | 9,682,000 |
| Noninterest income | 123,000 | 240,000 | 369,000 | 497,000 |
| Noninterest expense | 1,186,000 | 2,354,000 | 3,515,000 | 4,727,000 |
| Provision for loan losses | 60,000 | 150,000 | 240,000 | 330,000 |
| Pretax income | 1,217,000 | 2,723,000 | 3,901,000 | 5,122,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,217,000 | 2,723,000 | 3,901,000 | 5,122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,109,000 | 22,762,000 | 22,970,000 | 23,366,000 |
| Total capital | 23,735,000 | 24,425,000 | 24,687,000 | 25,106,000 |
| Risk-weighted assets | 129,977,000 | 132,873,000 | 137,109,000 | 138,947,000 |