Call reports 2012
NORTH VALLEY BANK — 2012
What NORTH VALLEY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 908,811,000 | 902,769,000 | 887,868,000 | 898,090,000 |
| Total loans | 448,649,000 | 455,257,000 | 489,900,000 | 492,211,000 |
| Allowance for loan losses | 12,274,000 | 11,732,000 | 11,427,000 | 10,458,000 |
| Securities available for sale | 354,154,000 | 305,378,000 | 299,025,000 | 285,815,000 |
| Securities held to maturity | 6,000 | 6,000 | 6,000 | 6,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 773,304,000 | 780,011,000 | 758,914,000 | 769,605,000 |
| Interest-bearing deposits | 616,533,000 | 599,825,000 | 591,508,000 | 590,725,000 |
| Noninterest-bearing deposits | 156,770,000 | 180,186,000 | 167,406,000 | 178,880,000 |
| Equity capital | 123,387,000 | 109,494,000 | 114,466,000 | 113,383,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 8,609,000 | 17,029,000 | 25,455,000 | 33,731,000 |
| Interest expense | 734,000 | 1,338,000 | 1,808,000 | 2,173,000 |
| Net interest income | 7,875,000 | 15,691,000 | 23,647,000 | 31,558,000 |
| Noninterest income | 2,941,000 | 6,575,000 | 9,540,000 | 12,227,000 |
| Noninterest expense | 8,823,000 | 17,423,000 | 26,088,000 | 35,555,000 |
| Provision for loan losses | 400,000 | 1,400,000 | 2,100,000 | 2,100,000 |
| Pretax income | 1,584,000 | 4,402,000 | 6,655,000 | 8,007,000 |
| Income tax | 522,000 | 1,473,000 | -746,000 | -289,000 |
| Net income | 1,062,000 | 2,929,000 | 7,401,000 | 8,296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 115,837,000 | 102,453,000 | 103,078,000 | 105,123,000 |
| Total capital | 123,304,000 | 110,027,000 | 110,783,000 | 112,939,000 |
| Risk-weighted assets | 589,379,000 | 596,925,000 | 606,994,000 | 618,376,000 |