Call reports 2016
NORTH VALLEY BANK — 2016
What NORTH VALLEY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 206,217,000 | 204,687,000 | 207,083,000 | 201,988,000 |
| Total loans | 117,705,000 | 116,892,000 | 121,193,000 | 128,045,000 |
| Allowance for loan losses | 1,279,000 | 1,114,000 | 1,178,000 | 1,183,000 |
| Securities available for sale | 53,880,000 | 62,183,000 | 59,710,000 | 54,296,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,757,000 | 171,112,000 | 174,093,000 | 172,829,000 |
| Interest-bearing deposits | 145,306,000 | 145,551,000 | 147,202,000 | 146,216,000 |
| Noninterest-bearing deposits | 28,451,000 | 25,561,000 | 26,891,000 | 26,613,000 |
| Equity capital | 18,098,000 | 18,905,000 | 19,118,000 | 18,090,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,830,000 | 3,724,000 | 5,635,000 | 7,566,000 |
| Interest expense | 222,000 | 452,000 | 685,000 | 905,000 |
| Net interest income | 1,608,000 | 3,272,000 | 4,950,000 | 6,661,000 |
| Noninterest income | 215,000 | 588,000 | 1,371,000 | 1,652,000 |
| Noninterest expense | 1,651,000 | 3,379,000 | 5,161,000 | 6,788,000 |
| Provision for loan losses | 95,000 | 190,000 | 284,000 | 358,000 |
| Pretax income | 77,000 | 291,000 | 882,000 | 1,174,000 |
| Income tax | -28,000 | -11,000 | 132,000 | 174,000 |
| Net income | 105,000 | 302,000 | 750,000 | 1,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,250,000 | 17,405,000 | 17,900,000 | 18,052,000 |
| Total capital | 18,529,000 | 18,519,000 | 19,078,000 | 19,235,000 |
| Risk-weighted assets | 124,485,000 | 126,570,000 | 130,894,000 | 133,490,000 |