Call reports 2013
NORTH VALLEY BANK — 2013
What NORTH VALLEY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 906,151,000 | 912,844,000 | 907,219,000 | 912,324,000 |
| Total loans | 488,606,000 | 504,274,000 | 509,092,000 | 509,244,000 |
| Allowance for loan losses | 9,651,000 | 9,527,000 | 9,312,000 | 9,301,000 |
| Securities available for sale | 283,721,000 | 306,300,000 | 293,627,000 | 279,479,000 |
| Securities held to maturity | 6,000 | 6,000 | 6,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 776,144,000 | 766,149,000 | 780,196,000 | 790,610,000 |
| Interest-bearing deposits | 601,424,000 | 591,936,000 | 595,299,000 | 602,878,000 |
| Noninterest-bearing deposits | 174,720,000 | 174,213,000 | 184,897,000 | 187,732,000 |
| Equity capital | 114,567,000 | 109,297,000 | 112,004,000 | 107,812,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 7,868,000 | 15,849,000 | 24,014,000 | 32,213,000 |
| Interest expense | 299,000 | 569,000 | 826,000 | 1,086,000 |
| Net interest income | 7,569,000 | 15,280,000 | 23,188,000 | 31,127,000 |
| Noninterest income | 3,802,000 | 6,824,000 | 9,159,000 | 11,441,000 |
| Noninterest expense | 9,283,000 | 17,895,000 | 26,416,000 | 34,796,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,631,000 | 4,752,000 | 6,479,000 | 8,320,000 |
| Income tax | 926,000 | 1,666,000 | 2,354,000 | 2,897,000 |
| Net income | 1,705,000 | 3,086,000 | 4,125,000 | 5,423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 107,594,000 | 108,005,000 | 109,253,000 | 108,948,000 |
| Total capital | 115,381,000 | 115,863,000 | 117,172,000 | 116,784,000 |
| Risk-weighted assets | 617,672,000 | 626,843,000 | 631,868,000 | 625,303,000 |