Call reports 2012
NORTH VALLEY BANK — 2012
What NORTH VALLEY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 156,926,000 | 152,992,000 | 153,407,000 | 162,801,000 |
| Total loans | 102,979,000 | 104,629,000 | 103,506,000 | 101,598,000 |
| Allowance for loan losses | 1,789,000 | 1,756,000 | 1,817,000 | 1,854,000 |
| Securities available for sale | 33,593,000 | 33,865,000 | 33,592,000 | 43,129,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,679,000 | 125,449,000 | 123,561,000 | 131,951,000 |
| Interest-bearing deposits | 111,627,000 | 108,756,000 | 106,536,000 | 112,609,000 |
| Noninterest-bearing deposits | 18,052,000 | 16,693,000 | 17,025,000 | 19,342,000 |
| Equity capital | 14,780,000 | 15,035,000 | 15,364,000 | 15,522,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,712,000 | 3,422,000 | 5,097,000 | 6,748,000 |
| Interest expense | 410,000 | 804,000 | 1,160,000 | 1,501,000 |
| Net interest income | 1,302,000 | 2,618,000 | 3,937,000 | 5,247,000 |
| Noninterest income | 147,000 | 291,000 | 442,000 | 630,000 |
| Noninterest expense | 1,148,000 | 2,307,000 | 3,430,000 | 4,623,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 301,000 |
| Pretax income | 237,000 | 463,000 | 745,000 | 979,000 |
| Income tax | 55,000 | 107,000 | 180,000 | 232,000 |
| Net income | 182,000 | 356,000 | 565,000 | 747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,676,000 | 13,825,000 | 14,241,000 | 14,291,000 |
| Total capital | 14,927,000 | 15,117,000 | 15,521,000 | 15,597,000 |
| Risk-weighted assets | 99,504,000 | 102,911,000 | 101,839,000 | 103,968,000 |