Call reports 2023
NORTH VALLEY BANK — 2023
What NORTH VALLEY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 301,890,000 | 312,659,000 | 321,783,000 | 312,197,000 |
| Total loans | 234,358,000 | 236,462,000 | 246,277,000 | 247,151,000 |
| Allowance for loan losses | 2,640,000 | 2,742,000 | 2,714,000 | 2,535,000 |
| Securities available for sale | 37,502,000 | 35,548,000 | 33,969,000 | 35,033,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,498,000 | 273,047,000 | 282,863,000 | 266,288,000 |
| Interest-bearing deposits | 200,589,000 | 210,698,000 | 222,982,000 | 206,219,000 |
| Noninterest-bearing deposits | 61,909,000 | 62,349,000 | 59,881,000 | 60,069,000 |
| Equity capital | 28,281,000 | 29,363,000 | 28,799,000 | 30,519,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,434,000 | 7,276,000 | 11,225,000 | 15,547,000 |
| Interest expense | 802,000 | 1,879,000 | 3,073,000 | 4,351,000 |
| Net interest income | 2,632,000 | 5,397,000 | 8,152,000 | 11,196,000 |
| Noninterest income | 549,000 | 1,229,000 | 1,636,000 | 2,043,000 |
| Noninterest expense | 2,663,000 | 5,420,000 | 8,153,000 | 10,923,000 |
| Provision for loan losses | -83,000 | 16,000 | 52,000 | -10,000 |
| Pretax income | 601,000 | 1,190,000 | 1,583,000 | 2,183,000 |
| Income tax | 110,000 | 218,000 | 287,000 | 401,000 |
| Net income | 491,000 | 972,000 | 1,296,000 | 1,782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,724,000 | 32,110,000 | 32,343,000 | 32,972,000 |