Call reports 2025
NORTH VALLEY BANK — 2025
What NORTH VALLEY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 411,387,000 | 427,147,000 | 426,012,000 | 409,295,000 |
| Total loans | 305,815,000 | 307,517,000 | 311,659,000 | 317,957,000 |
| Allowance for loan losses | 2,520,000 | 2,520,000 | 2,522,000 | 2,549,000 |
| Securities available for sale | 46,564,000 | 46,391,000 | 46,254,000 | 46,312,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 360,786,000 | 375,478,000 | 376,259,000 | 358,189,000 |
| Interest-bearing deposits | 280,316,000 | 292,105,000 | 293,601,000 | 273,188,000 |
| Noninterest-bearing deposits | 80,470,000 | 83,373,000 | 82,658,000 | 85,001,000 |
| Equity capital | 42,228,000 | 43,124,000 | 44,313,000 | 45,199,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,536,000 | 11,161,000 | 16,922,000 | 22,806,000 |
| Interest expense | 1,655,000 | 3,323,000 | 5,049,000 | 6,697,000 |
| Net interest income | 3,881,000 | 7,838,000 | 11,873,000 | 16,109,000 |
| Noninterest income | 808,000 | 1,449,000 | 2,099,000 | 2,970,000 |
| Noninterest expense | 3,464,000 | 6,997,000 | 10,563,000 | 14,365,000 |
| Provision for loan losses | 76,000 | 51,000 | 51,000 | 76,000 |
| Pretax income | 1,156,000 | 2,241,000 | 3,370,000 | 4,639,000 |
| Income tax | 229,000 | 444,000 | 668,000 | 922,000 |
| Net income | 927,000 | 1,797,000 | 2,702,000 | 3,717,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,483,000 | 39,410,000 | 40,088,000 | 40,819,000 |