Call reports 2002
NORTH VALLEY BANK — 2002
What NORTH VALLEY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 405,220,000 | 411,512,000 | 422,493,000 | 441,762,000 |
| Total loans | 276,157,000 | 288,350,000 | 297,155,000 | 303,733,000 |
| Allowance for loan losses | 3,450,000 | 3,691,000 | 3,824,000 | 4,188,000 |
| Securities available for sale | 67,908,000 | 60,450,000 | 74,565,000 | 72,871,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 356,480,000 | 361,646,000 | 368,926,000 | 386,885,000 |
| Interest-bearing deposits | 292,247,000 | 289,809,000 | 298,801,000 | 313,717,000 |
| Noninterest-bearing deposits | 64,233,000 | 71,837,000 | 70,125,000 | 73,168,000 |
| Equity capital | 33,478,000 | 35,221,000 | 37,562,000 | 38,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 6,517,000 | 13,265,000 | 20,193,000 | 26,897,000 |
| Interest expense | 1,615,000 | 2,995,000 | 4,255,000 | 5,456,000 |
| Net interest income | 4,902,000 | 10,270,000 | 15,938,000 | 21,441,000 |
| Noninterest income | 1,548,000 | 3,073,000 | 4,640,000 | 6,526,000 |
| Noninterest expense | 3,759,000 | 7,638,000 | 11,484,000 | 15,636,000 |
| Provision for loan losses | 360,000 | 875,000 | 1,215,000 | 1,575,000 |
| Pretax income | 2,331,000 | 4,848,000 | 7,911,000 | 10,874,000 |
| Income tax | 732,000 | 1,588,000 | 2,660,000 | 3,579,000 |
| Net income | 1,599,000 | 3,260,000 | 5,251,000 | 7,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,713,000 | 33,875,000 | 35,867,000 | 37,192,000 |
| Total capital | 36,163,000 | 37,566,000 | 39,691,000 | 41,380,000 |
| Risk-weighted assets | 302,851,000 | 316,563,000 | 329,387,000 | 341,455,000 |