Call reports 2014
NORTH VALLEY BANK — 2014
What NORTH VALLEY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 167,561,000 | 170,725,000 | 172,792,000 | 175,258,000 |
| Total loans | 112,069,000 | 114,780,000 | 114,644,000 | 115,804,000 |
| Allowance for loan losses | 1,611,000 | 1,634,000 | 1,674,000 | 1,224,000 |
| Securities available for sale | 37,713,000 | 37,284,000 | 38,764,000 | 40,001,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,832,000 | 138,353,000 | 141,098,000 | 143,168,000 |
| Interest-bearing deposits | 117,925,000 | 118,886,000 | 122,428,000 | 122,455,000 |
| Noninterest-bearing deposits | 18,907,000 | 19,467,000 | 18,670,000 | 20,713,000 |
| Equity capital | 15,442,000 | 16,062,000 | 16,466,000 | 16,911,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,714,000 | 3,469,000 | 5,268,000 | 7,096,000 |
| Interest expense | 242,000 | 472,000 | 697,000 | 917,000 |
| Net interest income | 1,472,000 | 2,997,000 | 4,571,000 | 6,179,000 |
| Noninterest income | 186,000 | 410,000 | 642,000 | 882,000 |
| Noninterest expense | 1,330,000 | 2,620,000 | 3,954,000 | 5,333,000 |
| Provision for loan losses | 51,000 | 101,000 | 151,000 | 195,000 |
| Pretax income | 277,000 | 686,000 | 1,108,000 | 1,533,000 |
| Income tax | 47,000 | 137,000 | 233,000 | 329,000 |
| Net income | 230,000 | 549,000 | 875,000 | 1,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,262,000 | 15,789,000 | 16,261,000 | 16,544,000 |
| Total capital | 16,701,000 | 17,261,000 | 17,750,000 | 17,768,000 |
| Risk-weighted assets | 114,980,000 | 117,615,000 | 118,933,000 | 118,873,000 |