Call reports 2006
NORTH VALLEY BANK — 2006
What NORTH VALLEY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 766,005,000 | 888,743,000 | 912,166,000 | 904,469,000 |
| Total loans | 521,505,000 | 639,617,000 | 666,147,000 | 659,794,000 |
| Allowance for loan losses | 6,487,000 | 8,292,000 | 8,853,000 | 8,831,000 |
| Securities available for sale | 140,361,000 | 145,224,000 | 138,486,000 | 133,571,000 |
| Securities held to maturity | 0 | 88,000 | 82,000 | 82,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 648,710,000 | 725,280,000 | 762,889,000 | 752,470,000 |
| Interest-bearing deposits | 486,748,000 | 536,018,000 | 565,404,000 | 555,446,000 |
| Noninterest-bearing deposits | 161,962,000 | 189,262,000 | 197,485,000 | 197,024,000 |
| Equity capital | 70,243,000 | 96,225,000 | 100,944,000 | 104,067,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 11,289,000 | 27,917,000 | 42,423,000 | 57,479,000 |
| Interest expense | 1,929,000 | 5,597,000 | 8,983,000 | 12,529,000 |
| Net interest income | 9,360,000 | 22,320,000 | 33,440,000 | 44,950,000 |
| Noninterest income | 2,639,000 | 5,606,000 | 9,102,000 | 12,279,000 |
| Noninterest expense | 7,094,000 | 17,968,000 | 26,889,000 | 36,550,000 |
| Provision for loan losses | 0 | 370,000 | 925,000 | 975,000 |
| Pretax income | 4,905,000 | 9,592,000 | 14,748,000 | 19,725,000 |
| Income tax | 1,765,000 | 3,408,000 | 4,738,000 | 6,211,000 |
| Net income | 3,140,000 | 6,184,000 | 10,010,000 | 13,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,950,000 | 81,942,000 | 85,152,000 | 88,811,000 |
| Total capital | 77,437,000 | 90,234,000 | 94,005,000 | 97,642,000 |
| Risk-weighted assets | 674,357,000 | 826,167,000 | 852,158,000 | 841,240,000 |