Call reports 2013
OAK VALLEY COMMUNITY BANK — 2013
What OAK VALLEY COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 648,319,000 | 644,179,000 | 659,129,000 | 672,036,000 |
| Total loans | 389,375,000 | 390,083,000 | 413,214,000 | 418,815,000 |
| Allowance for loan losses | 7,743,000 | 7,570,000 | 7,669,000 | 7,659,000 |
| Securities available for sale | 114,579,000 | 119,328,000 | 117,142,000 | 117,746,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 580,430,000 | 577,325,000 | 591,832,000 | 602,840,000 |
| Interest-bearing deposits | 424,989,000 | 421,063,000 | 434,250,000 | 425,669,000 |
| Noninterest-bearing deposits | 155,441,000 | 156,262,000 | 157,582,000 | 177,171,000 |
| Equity capital | 63,794,000 | 63,177,000 | 63,120,000 | 65,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,116,000 | 12,380,000 | 18,649,000 | 25,253,000 |
| Interest expense | 234,000 | 450,000 | 643,000 | 828,000 |
| Net interest income | 5,882,000 | 11,930,000 | 18,006,000 | 24,425,000 |
| Noninterest income | 715,000 | 1,472,000 | 2,255,000 | 2,993,000 |
| Noninterest expense | 4,513,000 | 9,099,000 | 13,571,000 | 18,079,000 |
| Provision for loan losses | 100,000 | 200,000 | 300,000 | 300,000 |
| Pretax income | 2,002,000 | 4,138,000 | 6,443,000 | 9,099,000 |
| Income tax | 654,000 | 1,339,000 | 2,065,000 | 2,931,000 |
| Net income | 1,348,000 | 2,799,000 | 4,378,000 | 6,168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,995,000 | 62,356,000 | 63,926,000 | 65,686,000 |
| Total capital | 66,662,000 | 68,078,000 | 70,089,000 | 71,877,000 |
| Risk-weighted assets | 451,142,000 | 455,782,000 | 491,357,000 | 493,651,000 |