Call reports 2004
NORTH VALLEY BANK — 2004
What NORTH VALLEY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 727,592,000 | 728,035,000 | 742,786,000 | 736,575,000 |
| Total loans | 406,680,000 | 416,166,000 | 422,295,000 | 461,223,000 |
| Allowance for loan losses | 6,419,000 | 6,177,000 | 6,235,000 | 6,127,000 |
| Securities available for sale | 238,617,000 | 208,135,000 | 200,351,000 | 197,032,000 |
| Securities held to maturity | 1,455,000 | 1,455,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 610,113,000 | 618,206,000 | 638,337,000 | 611,485,000 |
| Interest-bearing deposits | 423,669,000 | 546,484,000 | 561,986,000 | 531,079,000 |
| Noninterest-bearing deposits | 186,444,000 | 71,722,000 | 76,351,000 | 80,406,000 |
| Equity capital | 61,545,000 | 59,449,000 | 57,082,000 | 57,928,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 8,804,000 | 17,876,000 | 27,053,000 | 36,626,000 |
| Interest expense | 1,433,000 | 2,883,000 | 4,288,000 | 5,590,000 |
| Net interest income | 7,371,000 | 14,993,000 | 22,765,000 | 31,036,000 |
| Noninterest income | 2,409,000 | 4,588,000 | 6,940,000 | 9,181,000 |
| Noninterest expense | 6,182,000 | 12,449,000 | 18,636,000 | 25,110,000 |
| Provision for loan losses | 0 | 0 | 200,000 | 200,000 |
| Pretax income | 3,606,000 | 7,154,000 | 10,891,000 | 14,929,000 |
| Income tax | 1,129,000 | 2,286,000 | 3,519,000 | 4,841,000 |
| Net income | 2,477,000 | 4,868,000 | 7,372,000 | 10,088,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,534,000 | 59,385,000 | 54,644,000 | 56,074,000 |
| Total capital | 63,702,000 | 65,562,000 | 60,879,000 | 62,201,000 |
| Risk-weighted assets | 493,199,000 | 501,972,000 | 501,391,000 | 536,775,000 |