Call reports 2005
OAK VALLEY COMMUNITY BANK — 2005
What OAK VALLEY COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 329,772,000 | 336,624,000 | 351,635,000 | 382,412,000 |
| Total loans | 261,220,000 | 277,115,000 | 291,145,000 | 316,764,000 |
| Allowance for loan losses | 3,268,000 | 3,415,000 | 3,521,000 | 3,687,000 |
| Securities available for sale | 35,535,000 | 35,163,000 | 35,147,000 | 33,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,825,000 | 281,964,000 | 284,477,000 | 329,131,000 |
| Interest-bearing deposits | 256,008,000 | 246,093,000 | 244,564,000 | 286,656,000 |
| Noninterest-bearing deposits | 29,817,000 | 35,872,000 | 39,913,000 | 42,475,000 |
| Equity capital | 28,827,000 | 30,052,000 | 30,106,000 | 31,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,855,000 | 9,854,000 | 15,492,000 | 21,567,000 |
| Interest expense | 1,346,000 | 2,778,000 | 4,405,000 | 6,283,000 |
| Net interest income | 3,509,000 | 7,076,000 | 11,087,000 | 15,284,000 |
| Noninterest income | 298,000 | 588,000 | 918,000 | 1,226,000 |
| Noninterest expense | 2,274,000 | 4,517,000 | 6,918,000 | 9,496,000 |
| Provision for loan losses | 164,000 | 312,000 | 419,000 | 584,000 |
| Pretax income | 1,369,000 | 2,835,000 | 4,668,000 | 6,430,000 |
| Income tax | 532,000 | 1,102,000 | 1,811,000 | 2,495,000 |
| Net income | 837,000 | 1,733,000 | 2,857,000 | 3,935,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,071,000 | 30,089,000 | 30,266,000 | 31,409,000 |
| Total capital | 32,475,000 | 33,696,000 | 34,042,000 | 35,386,000 |
| Risk-weighted assets | 272,280,000 | 289,238,000 | 307,084,000 | 335,611,000 |
Machine access — free, no API key
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