Call reports 2008
NORTH VALLEY BANK — 2008
What NORTH VALLEY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 944,574,000 | 934,012,000 | 883,505,000 | 878,459,000 |
| Total loans | 750,588,000 | 730,281,000 | 696,308,000 | 693,422,000 |
| Allowance for loan losses | 13,022,000 | 13,677,000 | 9,958,000 | 11,327,000 |
| Securities available for sale | 98,586,000 | 90,678,000 | 83,258,000 | 76,345,000 |
| Securities held to maturity | 31,000 | 31,000 | 22,000 | 21,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 765,209,000 | 746,130,000 | 757,763,000 | 758,008,000 |
| Interest-bearing deposits | 604,219,000 | 580,201,000 | 598,062,000 | 593,196,000 |
| Noninterest-bearing deposits | 160,990,000 | 165,929,000 | 159,700,000 | 164,812,000 |
| Equity capital | 111,630,000 | 109,978,000 | 107,386,000 | 107,047,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 14,150,000 | 27,513,000 | 40,257,000 | 52,091,000 |
| Interest expense | 4,427,000 | 8,143,000 | 11,494,000 | 14,614,000 |
| Net interest income | 9,723,000 | 19,370,000 | 28,763,000 | 37,477,000 |
| Noninterest income | 3,801,000 | 7,588,000 | 11,169,000 | 14,388,000 |
| Noninterest expense | 9,491,000 | 18,838,000 | 27,995,000 | 37,310,000 |
| Provision for loan losses | 2,400,000 | 7,600,000 | 9,100,000 | 12,100,000 |
| Pretax income | 1,634,000 | 521,000 | -446,000 | -931,000 |
| Income tax | 529,000 | 169,000 | -144,000 | -1,878,000 |
| Net income | 1,105,000 | 352,000 | -302,000 | 947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,445,000 | 95,788,000 | 93,351,000 | 92,693,000 |
| Total capital | 107,826,000 | 106,811,000 | 103,309,000 | 102,906,000 |
| Risk-weighted assets | 897,714,000 | 879,201,000 | 825,610,000 | 815,932,000 |