Call reports 2012
OAK VALLEY COMMUNITY BANK — 2012
What OAK VALLEY COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 593,399,000 | 596,354,000 | 627,765,000 | 660,451,000 |
| Total loans | 392,011,000 | 389,966,000 | 388,161,000 | 390,386,000 |
| Allowance for loan losses | 7,792,000 | 8,008,000 | 7,953,000 | 7,975,000 |
| Securities available for sale | 105,085,000 | 108,247,000 | 106,332,000 | 103,866,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 518,798,000 | 526,558,000 | 553,565,000 | 587,196,000 |
| Interest-bearing deposits | 401,521,000 | 397,458,000 | 405,676,000 | 423,002,000 |
| Noninterest-bearing deposits | 117,277,000 | 129,100,000 | 147,889,000 | 164,194,000 |
| Equity capital | 71,600,000 | 66,855,000 | 68,685,000 | 69,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,604,000 | 13,119,000 | 19,668,000 | 26,079,000 |
| Interest expense | 321,000 | 601,000 | 876,000 | 1,138,000 |
| Net interest income | 6,283,000 | 12,518,000 | 18,792,000 | 24,941,000 |
| Noninterest income | 752,000 | 1,374,000 | 2,089,000 | 2,860,000 |
| Noninterest expense | 4,475,000 | 8,916,000 | 13,320,000 | 17,739,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,150,000 |
| Pretax income | 2,282,000 | 4,411,000 | 6,731,000 | 9,004,000 |
| Income tax | 770,000 | 1,453,000 | 2,232,000 | 2,976,000 |
| Net income | 1,512,000 | 2,958,000 | 4,499,000 | 6,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,178,000 | 63,675,000 | 65,131,000 | 66,570,000 |
| Total capital | 74,806,000 | 69,322,000 | 70,793,000 | 72,230,000 |
| Risk-weighted assets | 447,753,000 | 449,020,000 | 449,736,000 | 450,345,000 |