Call reports 2005
NORTH VALLEY BANK — 2005
What NORTH VALLEY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 758,060,000 | 751,577,000 | 758,476,000 | 752,353,000 |
| Total loans | 482,831,000 | 502,197,000 | 507,117,000 | 510,589,000 |
| Allowance for loan losses | 6,276,000 | 6,521,000 | 6,572,000 | 6,520,000 |
| Securities available for sale | 167,387,000 | 163,807,000 | 152,551,000 | 145,824,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 654,196,000 | 636,400,000 | 650,722,000 | 635,865,000 |
| Interest-bearing deposits | 566,163,000 | 572,692,000 | 585,772,000 | 561,542,000 |
| Noninterest-bearing deposits | 88,033,000 | 63,708,000 | 64,949,000 | 74,323,000 |
| Equity capital | 56,843,000 | 59,753,000 | 60,944,000 | 69,760,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 9,852,000 | 20,279,000 | 31,263,000 | 42,724,000 |
| Interest expense | 1,289,000 | 2,712,000 | 4,295,000 | 6,046,000 |
| Net interest income | 8,563,000 | 17,567,000 | 26,968,000 | 36,678,000 |
| Noninterest income | 2,167,000 | 4,409,000 | 7,244,000 | 10,296,000 |
| Noninterest expense | 6,474,000 | 13,532,000 | 20,704,000 | 28,113,000 |
| Provision for loan losses | 270,000 | 450,000 | 630,000 | 630,000 |
| Pretax income | 4,022,000 | 8,030,000 | 12,934,000 | 18,287,000 |
| Income tax | 1,386,000 | 2,768,000 | 4,517,000 | 6,505,000 |
| Net income | 2,636,000 | 5,262,000 | 8,417,000 | 11,782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,248,000 | 57,967,000 | 60,254,000 | 70,127,000 |
| Total capital | 62,524,000 | 64,488,000 | 66,826,000 | 76,647,000 |
| Risk-weighted assets | 561,996,000 | 627,294,000 | 654,524,000 | 661,752,000 |