Call reports 2010
NORTH VALLEY BANK — 2010
What NORTH VALLEY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 137,540,000 | 140,035,000 | 148,293,000 | 150,182,000 |
| Total loans | 99,152,000 | 98,605,000 | 95,845,000 | 93,325,000 |
| Allowance for loan losses | 3,754,000 | 3,271,000 | 3,161,000 | 2,111,000 |
| Securities available for sale | 17,737,000 | 23,805,000 | 22,773,000 | 32,231,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,242,000 | 115,592,000 | 123,795,000 | 125,802,000 |
| Interest-bearing deposits | 102,748,000 | 105,349,000 | 108,834,000 | 110,482,000 |
| Noninterest-bearing deposits | 10,495,000 | 10,243,000 | 14,961,000 | 15,320,000 |
| Equity capital | 11,780,000 | 11,863,000 | 12,005,000 | 11,774,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,672,000 | 3,313,000 | 4,999,000 | 6,630,000 |
| Interest expense | 579,000 | 1,126,000 | 1,672,000 | 2,194,000 |
| Net interest income | 1,093,000 | 2,187,000 | 3,327,000 | 4,436,000 |
| Noninterest income | 131,000 | 225,000 | 341,000 | 483,000 |
| Noninterest expense | 1,106,000 | 2,248,000 | 3,367,000 | 4,470,000 |
| Provision for loan losses | 150,000 | 150,000 | 192,000 | 262,000 |
| Pretax income | -12,000 | 34,000 | 129,000 | 207,000 |
| Income tax | -25,000 | -31,000 | -20,000 | -15,000 |
| Net income | 13,000 | 65,000 | 149,000 | 222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,998,000 | 11,051,000 | 11,135,000 | 10,664,000 |
| Total capital | 12,194,000 | 12,238,000 | 12,326,000 | 11,828,000 |
| Risk-weighted assets | 93,145,000 | 92,754,000 | 93,274,000 | 92,167,000 |