Call reports 2020
NORTH VALLEY BANK — 2020
What NORTH VALLEY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 245,198,000 | 301,586,000 | 307,028,000 | 290,687,000 |
| Total loans | 166,714,000 | 212,284,000 | 216,910,000 | 217,437,000 |
| Allowance for loan losses | 1,501,000 | 1,568,000 | 1,643,000 | 1,740,000 |
| Securities available for sale | 34,076,000 | 33,278,000 | 37,897,000 | 39,450,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,169,000 | 222,148,000 | 226,785,000 | 226,913,000 |
| Interest-bearing deposits | 162,963,000 | 165,402,000 | 171,838,000 | 166,796,000 |
| Noninterest-bearing deposits | 46,206,000 | 56,746,000 | 54,947,000 | 60,117,000 |
| Equity capital | 23,586,000 | 23,948,000 | 24,488,000 | 25,217,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,431,000 | 4,865,000 | 7,502,000 | 10,568,000 |
| Interest expense | 427,000 | 747,000 | 1,031,000 | 1,260,000 |
| Net interest income | 2,004,000 | 4,118,000 | 6,471,000 | 9,308,000 |
| Noninterest income | 337,000 | 732,000 | 1,345,000 | 1,976,000 |
| Noninterest expense | 2,167,000 | 4,413,000 | 6,640,000 | 9,054,000 |
| Provision for loan losses | 50,000 | 131,000 | 235,000 | 339,000 |
| Pretax income | 236,000 | 528,000 | 1,163,000 | 2,113,000 |
| Income tax | 26,000 | 63,000 | 173,000 | 347,000 |
| Net income | 210,000 | 465,000 | 990,000 | 1,766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,014,000 | 22,242,000 | 22,741,000 | 23,439,000 |