Call reports 2003
NORTH VALLEY BANK — 2003
What NORTH VALLEY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 442,774,000 | 466,543,000 | 456,369,000 | 458,542,000 |
| Total loans | 286,564,000 | 267,255,000 | 261,231,000 | 268,165,000 |
| Allowance for loan losses | 4,198,000 | 4,129,000 | 4,025,000 | 3,873,000 |
| Securities available for sale | 72,197,000 | 95,649,000 | 95,243,000 | 127,506,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 390,874,000 | 413,913,000 | 408,344,000 | 410,325,000 |
| Interest-bearing deposits | 310,698,000 | 306,903,000 | 286,549,000 | 292,610,000 |
| Noninterest-bearing deposits | 80,176,000 | 107,010,000 | 121,795,000 | 117,715,000 |
| Equity capital | 38,327,000 | 39,005,000 | 40,299,000 | 39,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,349,000 | 12,573,000 | 18,583,000 | 24,665,000 |
| Interest expense | 1,092,000 | 2,049,000 | 2,941,000 | 3,770,000 |
| Net interest income | 5,257,000 | 10,524,000 | 15,642,000 | 20,895,000 |
| Noninterest income | 1,729,000 | 3,967,000 | 5,901,000 | 7,751,000 |
| Noninterest expense | 4,323,000 | 8,606,000 | 12,953,000 | 17,421,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,722,000 | 5,950,000 | 8,655,000 | 11,353,000 |
| Income tax | 922,000 | 1,981,000 | 2,824,000 | 3,742,000 |
| Net income | 1,800,000 | 3,969,000 | 5,831,000 | 7,611,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,147,000 | 38,082,000 | 39,696,000 | 39,181,000 |
| Total capital | 41,343,000 | 42,181,000 | 43,721,000 | 43,054,000 |
| Risk-weighted assets | 334,941,000 | 327,909,000 | 325,881,000 | 335,060,000 |