Call reports 2009
OAK VALLEY COMMUNITY BANK — 2009
What OAK VALLEY COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 523,615,000 | 525,480,000 | 521,053,000 | 524,599,000 |
| Total loans | 429,480,000 | 423,515,000 | 424,518,000 | 424,816,000 |
| Allowance for loan losses | 6,603,000 | 5,701,000 | 6,396,000 | 7,020,000 |
| Securities available for sale | 52,494,000 | 54,400,000 | 53,565,000 | 50,765,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 410,115,000 | 419,958,000 | 431,641,000 | 429,328,000 |
| Interest-bearing deposits | 400,447,000 | 408,558,000 | 412,457,000 | 403,735,000 |
| Noninterest-bearing deposits | 9,668,000 | 11,400,000 | 19,184,000 | 25,593,000 |
| Equity capital | 58,627,000 | 58,467,000 | 59,848,000 | 60,500,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,217,000 | 14,625,000 | 22,077,000 | 29,352,000 |
| Interest expense | 1,554,000 | 3,061,000 | 4,460,000 | 5,641,000 |
| Net interest income | 5,663,000 | 11,564,000 | 17,617,000 | 23,711,000 |
| Noninterest income | 423,000 | 100,000 | -159,000 | -281,000 |
| Noninterest expense | 3,784,000 | 7,595,000 | 11,364,000 | 15,387,000 |
| Provision for loan losses | 1,900,000 | 4,037,000 | 4,962,000 | 5,862,000 |
| Pretax income | 438,000 | 86,000 | 1,264,000 | 2,351,000 |
| Income tax | -5,000 | -334,000 | -65,000 | 264,000 |
| Net income | 443,000 | 420,000 | 1,329,000 | 2,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,668,000 | 57,467,000 | 58,211,000 | 58,817,000 |
| Total capital | 63,707,000 | 63,335,000 | 64,253,000 | 64,821,000 |
| Risk-weighted assets | 482,391,000 | 479,734,000 | 481,804,000 | 478,435,000 |