Call reports 2006
NORTH VALLEY BANK — 2006
What NORTH VALLEY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 139,135,000 | 139,083,000 | 141,047,000 | 135,376,000 |
| Total loans | 111,895,000 | 111,980,000 | 111,932,000 | 111,719,000 |
| Allowance for loan losses | 1,718,000 | 1,487,000 | 1,408,000 | 1,602,000 |
| Securities available for sale | 6,042,000 | 5,028,000 | 6,056,000 | 8,050,000 |
| Securities held to maturity | 7,654,000 | 7,183,000 | 10,208,000 | 6,980,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,230,000 | 119,999,000 | 121,735,000 | 121,825,000 |
| Interest-bearing deposits | 108,132,000 | 109,053,000 | 107,962,000 | 110,817,000 |
| Noninterest-bearing deposits | 12,098,000 | 10,946,000 | 13,773,000 | 11,008,000 |
| Equity capital | 12,615,000 | 12,853,000 | 13,037,000 | 12,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,333,000 | 4,748,000 | 7,245,000 | 9,699,000 |
| Interest expense | 938,000 | 1,988,000 | 3,178,000 | 4,393,000 |
| Net interest income | 1,395,000 | 2,760,000 | 4,067,000 | 5,306,000 |
| Noninterest income | 106,000 | 219,000 | 355,000 | 477,000 |
| Noninterest expense | 997,000 | 2,113,000 | 3,255,000 | 4,259,000 |
| Provision for loan losses | 20,000 | 20,000 | 85,000 | 285,000 |
| Pretax income | 484,000 | 846,000 | 1,082,000 | 1,239,000 |
| Income tax | 164,000 | 287,000 | 363,000 | 421,000 |
| Net income | 320,000 | 559,000 | 719,000 | 818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,641,000 | 12,882,000 | 13,044,000 | 12,265,000 |
| Total capital | 13,991,000 | 14,237,000 | 14,393,000 | 13,581,000 |
| Risk-weighted assets | 107,624,000 | 108,253,000 | 107,855,000 | 104,978,000 |