Call reports 2019
NORTH VALLEY BANK — 2019
What NORTH VALLEY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 217,847,000 | 204,266,000 | 208,680,000 | 230,529,000 |
| Total loans | 148,514,000 | 146,850,000 | 151,801,000 | 159,242,000 |
| Allowance for loan losses | 1,558,000 | 1,596,000 | 1,671,000 | 1,431,000 |
| Securities available for sale | 41,427,000 | 35,083,000 | 35,838,000 | 37,356,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,932,000 | 170,701,000 | 172,395,000 | 195,006,000 |
| Interest-bearing deposits | 153,719,000 | 138,802,000 | 139,432,000 | 154,415,000 |
| Noninterest-bearing deposits | 33,213,000 | 31,899,000 | 32,963,000 | 40,591,000 |
| Equity capital | 21,833,000 | 22,415,000 | 22,807,000 | 23,093,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,357,000 | 4,828,000 | 7,286,000 | 9,745,000 |
| Interest expense | 457,000 | 934,000 | 1,422,000 | 1,881,000 |
| Net interest income | 1,900,000 | 3,894,000 | 5,864,000 | 7,864,000 |
| Noninterest income | 407,000 | 848,000 | 1,251,000 | 1,744,000 |
| Noninterest expense | 2,002,000 | 3,973,000 | 5,968,000 | 8,007,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 305,000 | 827,000 | 1,205,000 | 1,659,000 |
| Income tax | 36,000 | 119,000 | 177,000 | 250,000 |
| Net income | 269,000 | 708,000 | 1,028,000 | 1,409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,705,000 | 22,110,000 | 22,395,000 | 21,831,000 |
| Total capital | 23,263,000 | 23,706,000 | 24,066,000 | 23,262,000 |
| Risk-weighted assets | 152,942,000 | 149,350,000 | 154,737,000 | 164,289,000 |