Call reports 2011
OAK VALLEY COMMUNITY BANK — 2011
What OAK VALLEY COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 562,707,000 | 572,228,000 | 583,929,000 | 612,351,000 |
| Total loans | 394,529,000 | 389,785,000 | 390,675,000 | 395,567,000 |
| Allowance for loan losses | 8,765,000 | 8,591,000 | 8,857,000 | 8,609,000 |
| Securities available for sale | 73,672,000 | 78,862,000 | 86,800,000 | 89,695,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 485,722,000 | 496,315,000 | 505,569,000 | 536,225,000 |
| Interest-bearing deposits | 461,010,000 | 473,202,000 | 478,732,000 | 406,062,000 |
| Noninterest-bearing deposits | 24,712,000 | 23,113,000 | 26,837,000 | 130,163,000 |
| Equity capital | 65,640,000 | 67,524,000 | 69,489,000 | 70,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 6,686,000 | 13,432,000 | 20,181,000 | 26,906,000 |
| Interest expense | 462,000 | 889,000 | 1,279,000 | 1,648,000 |
| Net interest income | 6,224,000 | 12,543,000 | 18,902,000 | 25,258,000 |
| Noninterest income | 359,000 | 888,000 | 1,579,000 | 2,132,000 |
| Noninterest expense | 4,193,000 | 8,426,000 | 12,562,000 | 16,711,000 |
| Provision for loan losses | 600,000 | 900,000 | 1,200,000 | 1,500,000 |
| Pretax income | 1,816,000 | 4,144,000 | 6,785,000 | 9,260,000 |
| Income tax | 612,000 | 1,462,000 | 2,327,000 | 3,268,000 |
| Net income | 1,204,000 | 2,682,000 | 4,458,000 | 5,992,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,973,000 | 65,315,000 | 66,388,000 | 67,835,000 |
| Total capital | 69,584,000 | 70,856,000 | 72,011,000 | 73,562,000 |
| Risk-weighted assets | 445,633,000 | 439,831,000 | 445,726,000 | 454,806,000 |