Call reports 2003
NORTH VALLEY BANK — 2003
What NORTH VALLEY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 90,789,000 | 95,799,000 | 100,937,000 | 105,362,000 |
| Total loans | 84,294,000 | 89,131,000 | 93,998,000 | 98,347,000 |
| Allowance for loan losses | 1,003,000 | 1,069,000 | 1,066,000 | 1,122,000 |
| Securities available for sale | 1,275,000 | 1,181,000 | 1,045,000 | 739,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,579,000 | 77,058,000 | 78,560,000 | 80,496,000 |
| Interest-bearing deposits | 63,891,000 | 68,949,000 | 68,947,000 | 71,466,000 |
| Noninterest-bearing deposits | 8,688,000 | 8,109,000 | 9,613,000 | 9,030,000 |
| Equity capital | 6,703,000 | 7,117,000 | 7,533,000 | 7,680,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,719,000 | 3,521,000 | 5,340,000 | 7,192,000 |
| Interest expense | 483,000 | 965,000 | 1,406,000 | 1,876,000 |
| Net interest income | 1,236,000 | 2,556,000 | 3,934,000 | 5,316,000 |
| Noninterest income | 96,000 | 198,000 | 316,000 | 414,000 |
| Noninterest expense | 698,000 | 1,411,000 | 2,193,000 | 3,112,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 275,000 |
| Pretax income | 559,000 | 1,193,000 | 1,832,000 | 2,343,000 |
| Income tax | 190,000 | 408,000 | 626,000 | 791,000 |
| Net income | 369,000 | 785,000 | 1,206,000 | 1,552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,600,000 | 7,019,000 | 7,444,000 | 7,599,000 |
| Total capital | 7,588,000 | 8,064,000 | 8,510,000 | 8,721,000 |
| Risk-weighted assets | 79,058,000 | 83,595,000 | 87,959,000 | 91,195,000 |