Call reports 2010
OAK VALLEY COMMUNITY BANK — 2010
What OAK VALLEY COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 520,146,000 | 519,160,000 | 534,845,000 | 552,871,000 |
| Total loans | 410,266,000 | 410,267,000 | 408,160,000 | 403,461,000 |
| Allowance for loan losses | 6,762,000 | 7,614,000 | 7,700,000 | 8,255,000 |
| Securities available for sale | 50,991,000 | 52,244,000 | 55,023,000 | 53,268,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 431,733,000 | 435,886,000 | 449,077,000 | 476,921,000 |
| Interest-bearing deposits | 409,970,000 | 414,795,000 | 424,639,000 | 447,753,000 |
| Noninterest-bearing deposits | 21,763,000 | 21,091,000 | 24,438,000 | 29,168,000 |
| Equity capital | 61,222,000 | 62,334,000 | 63,915,000 | 64,490,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 7,049,000 | 14,056,000 | 21,091,000 | 28,008,000 |
| Interest expense | 968,000 | 1,710,000 | 2,366,000 | 2,919,000 |
| Net interest income | 6,081,000 | 12,346,000 | 18,725,000 | 25,089,000 |
| Noninterest income | 213,000 | 628,000 | 1,183,000 | 1,800,000 |
| Noninterest expense | 4,070,000 | 8,105,000 | 12,189,000 | 15,922,000 |
| Provision for loan losses | 1,005,000 | 2,010,000 | 3,015,000 | 4,020,000 |
| Pretax income | 1,275,000 | 2,986,000 | 4,877,000 | 7,143,000 |
| Income tax | 317,000 | 956,000 | 1,677,000 | 2,420,000 |
| Net income | 958,000 | 2,030,000 | 3,200,000 | 4,723,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,628,000 | 60,554,000 | 61,580,000 | 62,946,000 |
| Total capital | 65,534,000 | 66,395,000 | 67,326,000 | 68,742,000 |
| Risk-weighted assets | 470,559,000 | 463,812,000 | 456,452,000 | 460,898,000 |