Call reports 2014
OAK VALLEY COMMUNITY BANK — 2014
What OAK VALLEY COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 687,423,000 | 678,238,000 | 706,757,000 | 749,385,000 |
| Total loans | 422,040,000 | 435,257,000 | 435,384,000 | 454,025,000 |
| Allowance for loan losses | 7,615,000 | 7,602,000 | 7,541,000 | 7,534,000 |
| Securities available for sale | 119,598,000 | 124,479,000 | 124,199,000 | 121,277,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 617,051,000 | 604,122,000 | 630,826,000 | 670,193,000 |
| Interest-bearing deposits | 443,016,000 | 431,384,000 | 446,148,000 | 462,904,000 |
| Noninterest-bearing deposits | 174,035,000 | 172,738,000 | 184,678,000 | 207,288,000 |
| Equity capital | 66,622,000 | 70,152,000 | 72,111,000 | 74,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,319,000 | 12,721,000 | 19,326,000 | 26,161,000 |
| Interest expense | 172,000 | 335,000 | 490,000 | 647,000 |
| Net interest income | 6,147,000 | 12,386,000 | 18,836,000 | 25,514,000 |
| Noninterest income | 741,000 | 1,562,000 | 2,393,000 | 3,221,000 |
| Noninterest expense | 4,715,000 | 9,520,000 | 14,478,000 | 19,642,000 |
| Provision for loan losses | 0 | -1,877,000 | -1,876,000 | -1,876,000 |
| Pretax income | 2,181,000 | 6,316,000 | 8,655,000 | 11,178,000 |
| Income tax | 720,000 | 2,235,000 | 2,967,000 | 3,808,000 |
| Net income | 1,461,000 | 4,081,000 | 5,688,000 | 7,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,365,000 | 69,023,000 | 70,614,000 | 72,316,000 |
| Total capital | 72,589,000 | 75,485,000 | 77,180,000 | 79,168,000 |
| Risk-weighted assets | 496,413,000 | 515,663,000 | 524,073,000 | 547,223,000 |