Call reports 2009
NORTH VALLEY BANK — 2009
What NORTH VALLEY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 902,314,000 | 910,298,000 | 910,266,000 | 881,973,000 |
| Total loans | 660,653,000 | 650,652,000 | 629,076,000 | 602,417,000 |
| Allowance for loan losses | 15,887,000 | 22,119,000 | 19,423,000 | 18,539,000 |
| Securities available for sale | 97,514,000 | 137,554,000 | 158,200,000 | 146,335,000 |
| Securities held to maturity | 15,000 | 15,000 | 9,000 | 9,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 788,754,000 | 801,781,000 | 799,808,000 | 788,964,000 |
| Interest-bearing deposits | 637,151,000 | 655,553,000 | 653,520,000 | 635,388,000 |
| Noninterest-bearing deposits | 151,603,000 | 146,228,000 | 146,288,000 | 153,576,000 |
| Equity capital | 104,337,000 | 98,126,000 | 100,537,000 | 83,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 11,419,000 | 22,660,000 | 33,556,000 | 43,955,000 |
| Interest expense | 2,769,000 | 5,575,000 | 8,288,000 | 10,634,000 |
| Net interest income | 8,650,000 | 17,085,000 | 25,268,000 | 33,321,000 |
| Noninterest income | 2,506,000 | 5,683,000 | 9,304,000 | 12,629,000 |
| Noninterest expense | 9,118,000 | 19,047,000 | 27,681,000 | 51,091,000 |
| Provision for loan losses | 7,000,000 | 16,000,000 | 17,500,000 | 26,500,000 |
| Pretax income | -4,962,000 | -12,279,000 | -9,954,000 | -30,986,000 |
| Income tax | -2,503,000 | -6,389,000 | -5,343,000 | -7,641,000 |
| Net income | -2,459,000 | -5,890,000 | -4,611,000 | -23,345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,318,000 | 83,967,000 | 83,018,000 | 83,854,000 |
| Total capital | 99,205,000 | 93,686,000 | 92,357,000 | 93,011,000 |
| Risk-weighted assets | 784,961,000 | 765,129,000 | 737,053,000 | 723,191,000 |