Call reports 2013
NORTH VALLEY BANK — 2013
What NORTH VALLEY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 166,605,000 | 164,823,000 | 168,618,000 | 164,999,000 |
| Total loans | 103,796,000 | 105,627,000 | 108,660,000 | 111,147,000 |
| Allowance for loan losses | 1,754,000 | 1,773,000 | 1,536,000 | 1,575,000 |
| Securities available for sale | 42,252,000 | 40,644,000 | 39,491,000 | 38,031,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,639,000 | 133,988,000 | 140,335,000 | 130,406,000 |
| Interest-bearing deposits | 114,647,000 | 117,120,000 | 122,572,000 | 111,292,000 |
| Noninterest-bearing deposits | 17,992,000 | 16,868,000 | 17,763,000 | 19,114,000 |
| Equity capital | 15,348,000 | 14,381,000 | 14,640,000 | 14,805,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,601,000 | 3,238,000 | 4,932,000 | 6,684,000 |
| Interest expense | 337,000 | 670,000 | 971,000 | 1,229,000 |
| Net interest income | 1,264,000 | 2,568,000 | 3,961,000 | 5,455,000 |
| Noninterest income | 147,000 | 337,000 | 536,000 | 756,000 |
| Noninterest expense | 1,262,000 | 2,587,000 | 3,859,000 | 5,144,000 |
| Provision for loan losses | 45,000 | 90,000 | 185,000 | 240,000 |
| Pretax income | 104,000 | 291,000 | 516,000 | 890,000 |
| Income tax | 4,000 | 27,000 | 59,000 | 139,000 |
| Net income | 100,000 | 264,000 | 457,000 | 751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,231,000 | 14,368,000 | 14,538,000 | 15,009,000 |
| Total capital | 15,586,000 | 15,776,000 | 15,975,000 | 16,469,000 |
| Risk-weighted assets | 108,035,000 | 112,252,000 | 114,831,000 | 116,648,000 |