Call reports 2008
OAK VALLEY COMMUNITY BANK — 2008
What OAK VALLEY COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 463,140,000 | 476,119,000 | 490,230,000 | 508,156,000 |
| Total loans | 386,614,000 | 399,556,000 | 415,682,000 | 427,142,000 |
| Allowance for loan losses | 4,225,000 | 4,321,000 | 4,650,000 | 5,569,000 |
| Securities available for sale | 34,613,000 | 34,652,000 | 32,900,000 | 41,449,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,806,000 | 358,219,000 | 365,289,000 | 378,279,000 |
| Interest-bearing deposits | 344,605,000 | 339,331,000 | 347,425,000 | 363,821,000 |
| Noninterest-bearing deposits | 18,201,000 | 18,888,000 | 17,863,000 | 14,458,000 |
| Equity capital | 43,652,000 | 43,735,000 | 44,129,000 | 57,925,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,372,000 | 14,599,000 | 22,089,000 | 29,412,000 |
| Interest expense | 2,526,000 | 4,634,000 | 6,791,000 | 8,732,000 |
| Net interest income | 4,846,000 | 9,965,000 | 15,298,000 | 20,680,000 |
| Noninterest income | 580,000 | 1,217,000 | 874,000 | 789,000 |
| Noninterest expense | 4,072,000 | 8,640,000 | 12,169,000 | 16,165,000 |
| Provision for loan losses | 133,000 | 569,000 | 1,171,000 | 2,172,000 |
| Pretax income | 1,221,000 | 1,973,000 | 2,832,000 | 3,132,000 |
| Income tax | 445,000 | 644,000 | 906,000 | 883,000 |
| Net income | 776,000 | 1,329,000 | 1,926,000 | 2,249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,415,000 | 43,877,000 | 44,049,000 | 57,635,000 |
| Total capital | 47,862,000 | 48,423,000 | 48,880,000 | 63,379,000 |
| Risk-weighted assets | 432,592,000 | 444,344,000 | 461,091,000 | 477,578,000 |