Call reports 2025
NORTH VALLEY BANK — 2025
What NORTH VALLEY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 261,822,000 | 264,913,000 | 258,986,000 | 260,409,000 |
| Total loans | 231,582,000 | 235,482,000 | 231,313,000 | 230,638,000 |
| Allowance for loan losses | 3,494,000 | 3,596,000 | 3,821,000 | 3,440,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,650,000 | 212,922,000 | 210,004,000 | 214,867,000 |
| Interest-bearing deposits | 175,370,000 | 172,062,000 | 169,307,000 | 174,381,000 |
| Noninterest-bearing deposits | 39,280,000 | 40,860,000 | 40,697,000 | 40,486,000 |
| Equity capital | 32,559,000 | 33,212,000 | 33,701,000 | 34,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,896,000 | 9,837,000 | 14,792,000 | 19,588,000 |
| Interest expense | 1,378,000 | 2,783,000 | 4,146,000 | 5,447,000 |
| Net interest income | 3,518,000 | 7,054,000 | 10,646,000 | 14,141,000 |
| Noninterest income | 107,000 | 214,000 | 320,000 | 424,000 |
| Noninterest expense | 1,487,000 | 2,971,000 | 4,566,000 | 6,233,000 |
| Provision for loan losses | 60,000 | 160,000 | 385,000 | 575,000 |
| Pretax income | 2,078,000 | 4,137,000 | 6,015,000 | 7,757,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,078,000 | 4,137,000 | 6,015,000 | 7,757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,559,000 | 33,212,000 | 33,701,000 | 34,127,000 |