Call reports 2002
NORTH VALLEY BANK — 2002
What NORTH VALLEY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 74,389,000 | 79,485,000 | 83,331,000 | 86,402,000 |
| Total loans | 67,600,000 | 71,700,000 | 76,318,000 | 80,115,000 |
| Allowance for loan losses | 784,000 | 821,000 | 872,000 | 940,000 |
| Securities available for sale | 2,138,000 | 2,024,000 | 1,753,000 | 1,409,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,034,000 | 67,401,000 | 69,714,000 | 70,281,000 |
| Interest-bearing deposits | 58,297,000 | 61,394,000 | 62,991,000 | 63,182,000 |
| Noninterest-bearing deposits | 6,737,000 | 6,007,000 | 6,723,000 | 7,099,000 |
| Equity capital | 5,454,000 | 5,839,000 | 6,197,000 | 6,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,492,000 | 3,121,000 | 4,770,000 | 6,455,000 |
| Interest expense | 473,000 | 945,000 | 1,417,000 | 1,892,000 |
| Net interest income | 1,019,000 | 2,176,000 | 3,353,000 | 4,563,000 |
| Noninterest income | 78,000 | 147,000 | 240,000 | 337,000 |
| Noninterest expense | 532,000 | 1,110,000 | 1,747,000 | 2,536,000 |
| Provision for loan losses | 79,000 | 154,000 | 229,000 | 304,000 |
| Pretax income | 486,000 | 1,059,000 | 1,617,000 | 2,060,000 |
| Income tax | 161,000 | 354,000 | 551,000 | 687,000 |
| Net income | 325,000 | 705,000 | 1,066,000 | 1,373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,331,000 | 5,717,000 | 6,082,000 | 6,227,000 |
| Total capital | 6,115,000 | 6,532,000 | 6,954,000 | 7,158,000 |
| Risk-weighted assets | 63,040,000 | 65,172,000 | 70,054,000 | 74,472,000 |