Call reports 2001
OAK VALLEY COMMUNITY BANK — 2001
What OAK VALLEY COMMUNITY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 128,169,000 | 134,046,000 | 138,647,000 | 157,963,000 |
| Total loans | 91,906,000 | 98,901,000 | 103,713,000 | 111,307,000 |
| Allowance for loan losses | 1,278,000 | 1,295,000 | 1,309,000 | 1,368,000 |
| Securities available for sale | 21,770,000 | 20,804,000 | 26,195,000 | 27,111,000 |
| Securities held to maturity | 2,999,000 | 2,999,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,481,000 | 110,864,000 | 110,892,000 | 128,207,000 |
| Interest-bearing deposits | 97,160,000 | 98,829,000 | 99,886,000 | 115,981,000 |
| Noninterest-bearing deposits | 10,321,000 | 12,035,000 | 11,007,000 | 12,226,000 |
| Equity capital | 13,599,000 | 14,000,000 | 14,409,000 | 14,566,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,699,000 | 5,445,000 | 8,189,000 | 10,963,000 |
| Interest expense | 1,256,000 | 2,445,000 | 3,563,000 | 4,660,000 |
| Net interest income | 1,443,000 | 3,000,000 | 4,626,000 | 6,303,000 |
| Noninterest income | 136,000 | 285,000 | 436,000 | 572,000 |
| Noninterest expense | 925,000 | 1,948,000 | 2,994,000 | 4,142,000 |
| Provision for loan losses | 116,000 | 133,000 | 146,000 | 211,000 |
| Pretax income | 622,000 | 1,288,000 | 2,009,000 | 2,734,000 |
| Income tax | 241,000 | 507,000 | 794,000 | 1,075,000 |
| Net income | 381,000 | 781,000 | 1,215,000 | 1,659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,202,000 | 13,758,000 | 13,982,000 | 14,550,000 |
| Total capital | 14,240,000 | 14,916,000 | 15,154,000 | 15,908,000 |
| Risk-weighted assets | 82,783,000 | 92,487,000 | 93,604,000 | 108,639,000 |
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