Call reports 2008
NORTH VALLEY BANK — 2008
What NORTH VALLEY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 132,549,000 | 125,692,000 | 125,657,000 | 142,918,000 |
| Total loans | 101,801,000 | 107,138,000 | 103,130,000 | 101,197,000 |
| Allowance for loan losses | 1,343,000 | 1,370,000 | 1,508,000 | 1,497,000 |
| Securities available for sale | 10,651,000 | 10,414,000 | 7,835,000 | 17,103,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,104,000 | 109,286,000 | 105,305,000 | 120,847,000 |
| Interest-bearing deposits | 106,316,000 | 98,081,000 | 92,916,000 | 110,185,000 |
| Noninterest-bearing deposits | 10,788,000 | 11,205,000 | 12,389,000 | 10,662,000 |
| Equity capital | 13,255,000 | 13,288,000 | 13,167,000 | 13,396,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,156,000 | 4,196,000 | 6,211,000 | 8,070,000 |
| Interest expense | 983,000 | 1,803,000 | 2,537,000 | 3,327,000 |
| Net interest income | 1,173,000 | 2,393,000 | 3,674,000 | 4,743,000 |
| Noninterest income | 130,000 | 262,000 | 421,000 | 609,000 |
| Noninterest expense | 1,040,000 | 2,085,000 | 3,200,000 | 4,218,000 |
| Provision for loan losses | 29,000 | 105,000 | 668,000 | 933,000 |
| Pretax income | 234,000 | 465,000 | 218,000 | 192,000 |
| Income tax | 56,000 | 104,000 | -2,000 | -34,000 |
| Net income | 178,000 | 361,000 | 220,000 | 226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,003,000 | 13,188,000 | 13,049,000 | 13,056,000 |
| Total capital | 14,206,000 | 14,433,000 | 14,251,000 | 14,280,000 |
| Risk-weighted assets | 96,091,000 | 99,465,000 | 95,869,000 | 97,700,000 |