Call reports 2015
NORTH VALLEY BANK — 2015
What NORTH VALLEY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 178,071,000 | 174,117,000 | 185,104,000 | 188,873,000 |
| Total loans | 116,992,000 | 117,879,000 | 118,143,000 | 119,877,000 |
| Allowance for loan losses | 1,356,000 | 1,397,000 | 1,412,000 | 1,210,000 |
| Securities available for sale | 39,404,000 | 37,068,000 | 42,062,000 | 45,395,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,603,000 | 139,221,000 | 152,283,000 | 156,807,000 |
| Interest-bearing deposits | 122,863,000 | 118,093,000 | 129,954,000 | 132,891,000 |
| Noninterest-bearing deposits | 22,740,000 | 21,128,000 | 22,329,000 | 23,916,000 |
| Equity capital | 17,325,000 | 17,219,000 | 17,731,000 | 17,759,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,740,000 | 3,518,000 | 5,307,000 | 7,131,000 |
| Interest expense | 209,000 | 425,000 | 644,000 | 865,000 |
| Net interest income | 1,531,000 | 3,093,000 | 4,663,000 | 6,266,000 |
| Noninterest income | 241,000 | 442,000 | 675,000 | 918,000 |
| Noninterest expense | 1,378,000 | 2,783,000 | 4,244,000 | 6,075,000 |
| Provision for loan losses | 57,000 | 99,000 | 129,000 | 159,000 |
| Pretax income | 327,000 | 643,000 | 955,000 | 951,000 |
| Income tax | 60,000 | 115,000 | 168,000 | 112,000 |
| Net income | 267,000 | 528,000 | 787,000 | 839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,519,000 | 16,804,000 | 17,093,000 | 17,271,000 |
| Total capital | 17,875,000 | 18,201,000 | 18,505,000 | 18,481,000 |
| Risk-weighted assets | 122,128,000 | 123,129,000 | 124,649,000 | 126,515,000 |