Call reports 2002
OAK VALLEY COMMUNITY BANK — 2002
What OAK VALLEY COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 160,038,000 | 178,272,000 | 189,931,000 | 193,351,000 |
| Total loans | 116,762,000 | 126,246,000 | 133,885,000 | 143,278,000 |
| Allowance for loan losses | 1,458,000 | 1,518,000 | 1,633,000 | 1,680,000 |
| Securities available for sale | 29,506,000 | 30,745,000 | 37,027,000 | 32,965,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,491,000 | 147,783,000 | 162,746,000 | 164,724,000 |
| Interest-bearing deposits | 117,447,000 | 133,907,000 | 145,974,000 | 146,533,000 |
| Noninterest-bearing deposits | 12,044,000 | 13,876,000 | 16,772,000 | 18,191,000 |
| Equity capital | 14,904,000 | 15,776,000 | 15,878,000 | 16,375,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,656,000 | 5,465,000 | 8,431,000 | 11,448,000 |
| Interest expense | 1,016,000 | 1,998,000 | 3,009,000 | 3,955,000 |
| Net interest income | 1,640,000 | 3,467,000 | 5,422,000 | 7,493,000 |
| Noninterest income | 177,000 | 371,000 | 601,000 | 803,000 |
| Noninterest expense | 1,143,000 | 2,397,000 | 3,752,000 | 5,179,000 |
| Provision for loan losses | 90,000 | 150,000 | 265,000 | 425,000 |
| Pretax income | 657,000 | 1,367,000 | 2,082,000 | 2,836,000 |
| Income tax | 256,000 | 537,000 | 814,000 | 1,039,000 |
| Net income | 401,000 | 830,000 | 1,268,000 | 1,797,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,986,000 | 15,487,000 | 15,308,000 | 15,897,000 |
| Total capital | 16,428,000 | 17,005,000 | 16,941,000 | 17,577,000 |
| Risk-weighted assets | 115,327,000 | 136,905,000 | 146,193,000 | 143,302,000 |
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