Call reports 2001
NORTH VALLEY BANK — 2001
What NORTH VALLEY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 47,554,000 | 60,247,000 | 67,320,000 | 72,005,000 |
| Total loans | 39,991,000 | 51,532,000 | 58,688,000 | 63,784,000 |
| Allowance for loan losses | 399,000 | 481,000 | 709,000 | 719,000 |
| Securities available for sale | 3,434,000 | 3,643,000 | 3,357,000 | 2,823,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,837,000 | 53,823,000 | 60,523,000 | 63,332,000 |
| Interest-bearing deposits | 37,892,000 | 47,862,000 | 55,045,000 | 57,460,000 |
| Noninterest-bearing deposits | 3,945,000 | 5,961,000 | 5,478,000 | 5,872,000 |
| Equity capital | 3,326,000 | 4,736,000 | 4,963,000 | 5,134,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 990,000 | 2,221,000 | 3,864,000 | 5,360,000 |
| Interest expense | 495,000 | 1,066,000 | 1,686,000 | 2,221,000 |
| Net interest income | 495,000 | 1,155,000 | 2,178,000 | 3,139,000 |
| Noninterest income | 32,000 | 79,000 | 133,000 | 199,000 |
| Noninterest expense | 365,000 | 786,000 | 1,279,000 | 1,915,000 |
| Provision for loan losses | 59,000 | 160,000 | 394,000 | 456,000 |
| Pretax income | 103,000 | 289,000 | 639,000 | 968,000 |
| Income tax | 30,000 | 84,000 | 214,000 | 309,000 |
| Net income | 73,000 | 205,000 | 425,000 | 659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,278,000 | 4,600,000 | 4,821,000 | 5,001,000 |
| Total capital | 3,677,000 | 5,081,000 | 5,516,000 | 5,720,000 |
| Risk-weighted assets | 37,725,000 | 48,034,000 | 55,561,000 | 59,938,000 |