Call reports 2003
OAK VALLEY COMMUNITY BANK — 2003
What OAK VALLEY COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 204,719,000 | 214,180,000 | 222,477,000 | 240,660,000 |
| Total loans | 145,343,000 | 154,790,000 | 171,380,000 | 186,658,000 |
| Allowance for loan losses | 1,837,000 | 1,862,000 | 2,006,000 | 2,175,000 |
| Securities available for sale | 39,913,000 | 35,616,000 | 30,324,000 | 28,690,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,665,000 | 172,700,000 | 176,801,000 | 199,628,000 |
| Interest-bearing deposits | 156,056,000 | 156,087,000 | 157,126,000 | 178,842,000 |
| Noninterest-bearing deposits | 15,609,000 | 16,613,000 | 19,675,000 | 20,787,000 |
| Equity capital | 16,827,000 | 17,586,000 | 17,219,000 | 17,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,020,000 | 6,120,000 | 9,354,000 | 12,948,000 |
| Interest expense | 864,000 | 1,746,000 | 2,546,000 | 3,345,000 |
| Net interest income | 2,156,000 | 4,374,000 | 6,808,000 | 9,603,000 |
| Noninterest income | 281,000 | 733,000 | 1,252,000 | 1,586,000 |
| Noninterest expense | 1,529,000 | 3,238,000 | 5,000,000 | 6,811,000 |
| Provision for loan losses | 150,000 | 300,000 | 475,000 | 655,000 |
| Pretax income | 758,000 | 1,569,000 | 2,642,000 | 3,780,000 |
| Income tax | 290,000 | 602,000 | 1,018,000 | 1,462,000 |
| Net income | 468,000 | 967,000 | 1,624,000 | 2,318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,367,000 | 16,916,000 | 16,969,000 | 17,717,000 |
| Total capital | 18,204,000 | 18,907,000 | 19,134,000 | 20,055,000 |
| Risk-weighted assets | 148,632,000 | 159,682,000 | 175,873,000 | 190,351,000 |
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