Call reports 2009
NORTH VALLEY BANK — 2009
What NORTH VALLEY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 140,761,000 | 137,191,000 | 135,425,000 | 140,863,000 |
| Total loans | 98,454,000 | 100,017,000 | 102,089,000 | 102,650,000 |
| Allowance for loan losses | 1,549,000 | 1,504,000 | 1,660,000 | 3,864,000 |
| Securities available for sale | 23,480,000 | 29,106,000 | 21,547,000 | 18,499,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,015,000 | 110,763,000 | 109,760,000 | 116,474,000 |
| Interest-bearing deposits | 108,470,000 | 99,730,000 | 98,694,000 | 106,015,000 |
| Noninterest-bearing deposits | 10,545,000 | 11,033,000 | 11,066,000 | 10,459,000 |
| Equity capital | 13,071,000 | 12,918,000 | 13,151,000 | 11,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,849,000 | 3,678,000 | 5,437,000 | 7,284,000 |
| Interest expense | 772,000 | 1,503,000 | 2,166,000 | 2,801,000 |
| Net interest income | 1,077,000 | 2,175,000 | 3,271,000 | 4,483,000 |
| Noninterest income | 139,000 | 247,000 | 347,000 | 450,000 |
| Noninterest expense | 1,052,000 | 2,087,000 | 3,230,000 | 4,347,000 |
| Provision for loan losses | 125,000 | 315,000 | 515,000 | 2,787,000 |
| Pretax income | 39,000 | 90,000 | 110,000 | -1,914,000 |
| Income tax | -4,000 | -8,000 | -25,000 | -739,000 |
| Net income | 43,000 | 98,000 | 135,000 | -1,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,698,000 | 12,755,000 | 12,793,000 | 10,984,000 |
| Total capital | 13,917,000 | 13,974,000 | 14,041,000 | 12,190,000 |
| Risk-weighted assets | 97,175,000 | 97,204,000 | 99,405,000 | 94,439,000 |