Call reports 2004
OAK VALLEY COMMUNITY BANK — 2004
What OAK VALLEY COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 251,988,000 | 277,718,000 | 297,934,000 | 313,232,000 |
| Total loans | 202,785,000 | 220,472,000 | 243,436,000 | 257,306,000 |
| Allowance for loan losses | 2,353,000 | 2,668,000 | 2,869,000 | 3,104,000 |
| Securities available for sale | 33,465,000 | 35,142,000 | 35,706,000 | 33,284,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,318,000 | 214,223,000 | 228,321,000 | 249,085,000 |
| Interest-bearing deposits | 180,027,000 | 194,156,000 | 203,049,000 | 223,089,000 |
| Noninterest-bearing deposits | 21,291,000 | 20,067,000 | 25,273,000 | 25,996,000 |
| Equity capital | 26,593,000 | 26,888,000 | 27,336,000 | 28,245,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,620,000 | 7,617,000 | 11,847,000 | 16,433,000 |
| Interest expense | 808,000 | 1,613,000 | 2,520,000 | 3,610,000 |
| Net interest income | 2,812,000 | 6,004,000 | 9,327,000 | 12,823,000 |
| Noninterest income | 340,000 | 745,000 | 1,057,000 | 1,355,000 |
| Noninterest expense | 1,976,000 | 3,869,000 | 5,876,000 | 7,936,000 |
| Provision for loan losses | 188,000 | 498,000 | 698,000 | 932,000 |
| Pretax income | 988,000 | 2,382,000 | 3,810,000 | 5,310,000 |
| Income tax | 381,000 | 925,000 | 1,477,000 | 2,059,000 |
| Net income | 607,000 | 1,457,000 | 2,333,000 | 3,251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,186,000 | 27,172,000 | 27,200,000 | 28,178,000 |
| Total capital | 28,712,000 | 30,003,000 | 30,242,000 | 31,451,000 |
| Risk-weighted assets | 207,291,000 | 227,538,000 | 251,173,000 | 265,014,000 |
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