Call reports 2005
NORTH VALLEY BANK — 2005
What NORTH VALLEY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 148,801,000 | 145,816,000 | 143,042,000 | 137,887,000 |
| Total loans | 117,016,000 | 114,458,000 | 114,285,000 | 113,743,000 |
| Allowance for loan losses | 1,550,000 | 1,558,000 | 1,745,000 | 1,707,000 |
| Securities available for sale | 7,176,000 | 7,170,000 | 7,138,000 | 6,053,000 |
| Securities held to maturity | 0 | 0 | 0 | 3,936,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,402,000 | 127,287,000 | 124,436,000 | 119,025,000 |
| Interest-bearing deposits | 108,124,000 | 114,793,000 | 111,964,000 | 107,785,000 |
| Noninterest-bearing deposits | 12,278,000 | 12,494,000 | 12,472,000 | 11,240,000 |
| Equity capital | 12,103,000 | 12,254,000 | 12,343,000 | 12,303,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,085,000 | 4,337,000 | 6,561,000 | 8,907,000 |
| Interest expense | 798,000 | 1,741,000 | 2,648,000 | 3,578,000 |
| Net interest income | 1,287,000 | 2,596,000 | 3,913,000 | 5,329,000 |
| Noninterest income | 166,000 | 284,000 | 416,000 | 554,000 |
| Noninterest expense | 927,000 | 1,789,000 | 2,881,000 | 3,848,000 |
| Provision for loan losses | 80,000 | 80,000 | 288,000 | 303,000 |
| Pretax income | 446,000 | 1,011,000 | 1,160,000 | 1,732,000 |
| Income tax | 149,000 | 341,000 | 392,000 | 589,000 |
| Net income | 297,000 | 670,000 | 768,000 | 1,143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,118,000 | 12,243,000 | 12,342,000 | 12,320,000 |
| Total capital | 13,473,000 | 13,616,000 | 13,714,000 | 13,667,000 |
| Risk-weighted assets | 108,177,000 | 109,649,000 | 109,375,000 | 107,401,000 |