Call reports 2010
NORTH VALLEY BANK — 2010
What NORTH VALLEY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 884,496,000 | 907,578,000 | 891,414,000 | 880,473,000 |
| Total loans | 580,929,000 | 559,605,000 | 536,296,000 | 513,466,000 |
| Allowance for loan losses | 17,708,000 | 16,151,000 | 15,249,000 | 14,993,000 |
| Securities available for sale | 141,035,000 | 196,493,000 | 241,987,000 | 265,644,000 |
| Securities held to maturity | 8,000 | 6,000 | 6,000 | 6,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 789,972,000 | 778,171,000 | 769,361,000 | 756,884,000 |
| Interest-bearing deposits | 641,161,000 | 633,132,000 | 615,221,000 | 598,291,000 |
| Noninterest-bearing deposits | 148,811,000 | 145,039,000 | 154,141,000 | 158,593,000 |
| Equity capital | 84,613,000 | 119,745,000 | 112,475,000 | 113,655,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 9,875,000 | 19,712,000 | 29,485,000 | 38,922,000 |
| Interest expense | 2,019,000 | 3,948,000 | 5,588,000 | 6,861,000 |
| Net interest income | 7,856,000 | 15,764,000 | 23,897,000 | 32,061,000 |
| Noninterest income | 2,416,000 | 4,961,000 | 5,473,000 | 7,988,000 |
| Noninterest expense | 9,000,000 | 17,543,000 | 25,917,000 | 34,893,000 |
| Provision for loan losses | 782,000 | 3,370,000 | 7,970,000 | 7,970,000 |
| Pretax income | 490,000 | -188,000 | -4,517,000 | -2,814,000 |
| Income tax | 122,000 | -590,000 | 2,068,000 | 980,000 |
| Net income | 368,000 | 402,000 | -6,585,000 | -3,794,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,094,000 | 112,371,000 | 104,306,000 | 108,092,000 |
| Total capital | 86,910,000 | 121,038,000 | 112,635,000 | 116,216,000 |
| Risk-weighted assets | 696,153,000 | 685,689,000 | 659,188,000 | 642,832,000 |