Call reports 2011
NORTH VALLEY BANK — 2011
What NORTH VALLEY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 150,730,000 | 146,913,000 | 154,668,000 | 152,820,000 |
| Total loans | 95,454,000 | 98,383,000 | 99,898,000 | 101,705,000 |
| Allowance for loan losses | 2,051,000 | 1,987,000 | 1,980,000 | 2,029,000 |
| Securities available for sale | 31,658,000 | 32,094,000 | 30,993,000 | 27,981,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,361,000 | 120,031,000 | 127,732,000 | 125,740,000 |
| Interest-bearing deposits | 110,232,000 | 104,977,000 | 110,809,000 | 108,979,000 |
| Noninterest-bearing deposits | 14,129,000 | 15,054,000 | 16,923,000 | 16,761,000 |
| Equity capital | 13,802,000 | 14,303,000 | 14,488,000 | 14,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,631,000 | 3,328,000 | 4,987,000 | 6,679,000 |
| Interest expense | 493,000 | 978,000 | 1,432,000 | 1,863,000 |
| Net interest income | 1,138,000 | 2,350,000 | 3,555,000 | 4,816,000 |
| Noninterest income | 130,000 | 264,000 | 381,000 | 529,000 |
| Noninterest expense | 1,208,000 | 2,330,000 | 3,436,000 | 4,577,000 |
| Provision for loan losses | 76,000 | 152,000 | 229,000 | 304,000 |
| Pretax income | -16,000 | 154,000 | 292,000 | 672,000 |
| Income tax | -26,000 | 12,000 | 42,000 | 154,000 |
| Net income | 10,000 | 142,000 | 250,000 | 518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,675,000 | 13,023,000 | 13,131,000 | 13,316,000 |
| Total capital | 13,843,000 | 14,209,000 | 14,336,000 | 14,556,000 |
| Risk-weighted assets | 92,575,000 | 94,075,000 | 95,585,000 | 98,422,000 |