Call reports 2004
NORTH VALLEY BANK — 2004
What NORTH VALLEY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 111,662,000 | 126,540,000 | 137,253,000 | 139,242,000 |
| Total loans | 103,565,000 | 118,050,000 | 129,644,000 | 113,145,000 |
| Allowance for loan losses | 1,118,000 | 1,223,000 | 1,537,000 | 1,550,000 |
| Securities available for sale | 666,000 | 601,000 | 571,000 | 6,285,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,767,000 | 84,791,000 | 86,172,000 | 111,799,000 |
| Interest-bearing deposits | 74,724,000 | 74,007,000 | 73,604,000 | 99,948,000 |
| Noninterest-bearing deposits | 11,043,000 | 10,784,000 | 12,568,000 | 11,851,000 |
| Equity capital | 8,088,000 | 11,500,000 | 11,888,000 | 12,164,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,822,000 | 3,754,000 | 5,866,000 | 7,875,000 |
| Interest expense | 479,000 | 981,000 | 1,555,000 | 2,226,000 |
| Net interest income | 1,343,000 | 2,773,000 | 4,311,000 | 5,649,000 |
| Noninterest income | 94,000 | 252,000 | 500,000 | 619,000 |
| Noninterest expense | 722,000 | 1,481,000 | 2,299,000 | 3,161,000 |
| Provision for loan losses | 90,000 | 180,000 | 468,000 | 618,000 |
| Pretax income | 625,000 | 1,364,000 | 2,044,000 | 2,489,000 |
| Income tax | 213,000 | 464,000 | 693,000 | 844,000 |
| Net income | 412,000 | 900,000 | 1,351,000 | 1,645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,014,000 | 11,435,000 | 11,827,000 | 12,125,000 |
| Total capital | 9,132,000 | 12,658,000 | 13,256,000 | 13,431,000 |
| Risk-weighted assets | 90,924,000 | 103,711,000 | 114,177,000 | 104,242,000 |