Call reports 2015
OAK VALLEY COMMUNITY BANK — 2015
What OAK VALLEY COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 753,440,000 | 763,925,000 | 793,659,000 | 896,975,000 |
| Total loans | 452,724,000 | 463,063,000 | 477,005,000 | 537,749,000 |
| Allowance for loan losses | 7,409,000 | 7,390,000 | 7,389,000 | 7,356,000 |
| Securities available for sale | 121,188,000 | 127,896,000 | 129,496,000 | 131,546,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 673,642,000 | 684,581,000 | 713,116,000 | 815,038,000 |
| Interest-bearing deposits | 488,835,000 | 493,037,000 | 509,786,000 | 558,528,000 |
| Noninterest-bearing deposits | 184,807,000 | 191,544,000 | 203,330,000 | 256,510,000 |
| Equity capital | 75,057,000 | 75,434,000 | 76,553,000 | 77,877,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,411,000 | 12,915,000 | 19,510,000 | 26,378,000 |
| Interest expense | 151,000 | 307,000 | 461,000 | 615,000 |
| Net interest income | 6,260,000 | 12,608,000 | 19,049,000 | 25,763,000 |
| Noninterest income | 790,000 | 1,706,000 | 2,549,000 | 3,402,000 |
| Noninterest expense | 4,933,000 | 9,956,000 | 14,935,000 | 21,627,000 |
| Provision for loan losses | -125,000 | -125,000 | -125,000 | -125,000 |
| Pretax income | 2,351,000 | 4,665,000 | 6,974,000 | 7,869,000 |
| Income tax | 768,000 | 1,483,000 | 2,199,000 | 2,285,000 |
| Net income | 1,583,000 | 3,182,000 | 4,775,000 | 5,584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,100,000 | 74,660,000 | 75,365,000 | 73,868,000 |
| Total capital | 80,017,000 | 81,760,000 | 82,728,000 | 81,461,000 |
| Risk-weighted assets | 552,645,000 | 567,462,000 | 588,780,000 | 666,845,000 |