Call reports 2007
NORTH VALLEY BANK — 2007
What NORTH VALLEY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 905,553,000 | 889,597,000 | 923,003,000 | 949,290,000 |
| Total loans | 650,563,000 | 678,398,000 | 717,436,000 | 746,253,000 |
| Allowance for loan losses | 8,815,000 | 8,746,000 | 9,602,000 | 10,755,000 |
| Securities available for sale | 124,765,000 | 113,617,000 | 108,616,000 | 104,341,000 |
| Securities held to maturity | 67,000 | 55,000 | 52,000 | 31,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 762,145,000 | 740,749,000 | 737,029,000 | 741,486,000 |
| Interest-bearing deposits | 574,490,000 | 568,402,000 | 566,293,000 | 569,124,000 |
| Noninterest-bearing deposits | 187,656,000 | 172,347,000 | 170,736,000 | 172,362,000 |
| Equity capital | 107,692,000 | 107,938,000 | 109,233,000 | 110,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 14,496,000 | 29,096,000 | 44,179,000 | 59,524,000 |
| Interest expense | 3,551,000 | 7,450,000 | 11,676,000 | 16,200,000 |
| Net interest income | 10,945,000 | 21,646,000 | 32,503,000 | 43,324,000 |
| Noninterest income | 3,444,000 | 6,960,000 | 10,620,000 | 14,150,000 |
| Noninterest expense | 9,892,000 | 19,527,000 | 28,840,000 | 38,279,000 |
| Provision for loan losses | 0 | 0 | 850,000 | 2,050,000 |
| Pretax income | 4,497,000 | 9,043,000 | 13,397,000 | 15,393,000 |
| Income tax | 1,475,000 | 2,894,000 | 4,287,000 | 5,485,000 |
| Net income | 3,022,000 | 6,149,000 | 9,110,000 | 9,908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,282,000 | 93,311,000 | 94,391,000 | 95,048,000 |
| Total capital | 101,097,000 | 102,057,000 | 103,993,000 | 105,803,000 |
| Risk-weighted assets | 840,606,000 | 856,916,000 | 885,258,000 | 901,155,000 |