Call reports 2007
OAK VALLEY COMMUNITY BANK — 2007
What OAK VALLEY COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 452,520,000 | 441,334,000 | 453,882,000 | 454,407,000 |
| Total loans | 386,320,000 | 375,569,000 | 384,879,000 | 386,771,000 |
| Allowance for loan losses | 4,479,000 | 4,600,000 | 4,757,000 | 4,507,000 |
| Securities available for sale | 35,425,000 | 35,015,000 | 34,479,000 | 33,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 352,121,000 | 364,181,000 | 386,212,000 | 377,396,000 |
| Interest-bearing deposits | 300,962,000 | 345,062,000 | 369,405,000 | 357,860,000 |
| Noninterest-bearing deposits | 51,159,000 | 19,119,000 | 16,807,000 | 19,536,000 |
| Equity capital | 35,665,000 | 39,287,000 | 41,462,000 | 42,640,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,958,000 | 16,085,000 | 24,213,000 | 32,076,000 |
| Interest expense | 3,326,000 | 6,762,000 | 10,000,000 | 13,006,000 |
| Net interest income | 4,632,000 | 9,323,000 | 14,213,000 | 19,070,000 |
| Noninterest income | 509,000 | 1,023,000 | 1,495,000 | 1,986,000 |
| Noninterest expense | 3,331,000 | 6,775,000 | 10,297,000 | 14,191,000 |
| Provision for loan losses | 158,000 | 286,000 | 446,000 | 563,000 |
| Pretax income | 1,652,000 | 3,285,000 | 4,965,000 | 6,302,000 |
| Income tax | 650,000 | 1,280,000 | 1,947,000 | 2,334,000 |
| Net income | 1,002,000 | 2,005,000 | 3,018,000 | 3,968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,809,000 | 39,676,000 | 41,613,000 | 42,594,000 |
| Total capital | 40,516,000 | 44,498,000 | 46,577,000 | 47,311,000 |
| Risk-weighted assets | 422,809,000 | 414,493,000 | 421,912,000 | 424,927,000 |