Call reports 2007
NORTH VALLEY BANK — 2007
What NORTH VALLEY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 134,700,000 | 135,171,000 | 131,619,000 | 127,463,000 |
| Total loans | 109,469,000 | 106,345,000 | 102,891,000 | 102,183,000 |
| Allowance for loan losses | 1,616,000 | 1,495,000 | 1,503,000 | 1,470,000 |
| Securities available for sale | 7,071,000 | 10,728,000 | 19,802,000 | 14,489,000 |
| Securities held to maturity | 5,993,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,094,000 | 122,352,000 | 117,799,000 | 114,262,000 |
| Interest-bearing deposits | 110,411,000 | 112,546,000 | 108,374,000 | 102,892,000 |
| Noninterest-bearing deposits | 11,683,000 | 9,806,000 | 9,425,000 | 11,370,000 |
| Equity capital | 12,378,000 | 12,528,000 | 12,776,000 | 12,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,360,000 | 4,861,000 | 7,206,000 | 9,534,000 |
| Interest expense | 1,163,000 | 2,375,000 | 3,612,000 | 4,737,000 |
| Net interest income | 1,197,000 | 2,486,000 | 3,594,000 | 4,797,000 |
| Noninterest income | 111,000 | 273,000 | 437,000 | 594,000 |
| Noninterest expense | 1,100,000 | 2,206,000 | 3,306,000 | 4,363,000 |
| Provision for loan losses | 50,000 | 97,000 | 130,000 | 134,000 |
| Pretax income | 158,000 | 452,000 | 605,000 | 904,000 |
| Income tax | 60,000 | 159,000 | 178,000 | 270,000 |
| Net income | 98,000 | 293,000 | 427,000 | 634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,365,000 | 12,560,000 | 12,696,000 | 12,825,000 |
| Total capital | 13,648,000 | 13,842,000 | 13,925,000 | 14,026,000 |
| Risk-weighted assets | 102,333,000 | 102,340,000 | 98,066,000 | 95,789,000 |