Call reports 2016
OAK VALLEY COMMUNITY BANK — 2016
What OAK VALLEY COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 905,618,000 | 925,435,000 | 946,920,000 | 1,001,335,000 |
| Total loans | 565,130,000 | 577,348,000 | 600,417,000 | 608,936,000 |
| Allowance for loan losses | 7,557,000 | 7,680,000 | 7,767,000 | 7,832,000 |
| Securities available for sale | 144,261,000 | 150,299,000 | 160,077,000 | 160,334,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 822,628,000 | 838,547,000 | 859,947,000 | 914,322,000 |
| Interest-bearing deposits | 581,230,000 | 595,412,000 | 603,009,000 | 602,214,000 |
| Noninterest-bearing deposits | 241,398,000 | 243,135,000 | 256,938,000 | 312,108,000 |
| Equity capital | 78,591,000 | 81,658,000 | 82,531,000 | 82,087,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 7,780,000 | 16,157,000 | 24,263,000 | 32,702,000 |
| Interest expense | 168,000 | 359,000 | 555,000 | 764,000 |
| Net interest income | 7,612,000 | 15,798,000 | 23,708,000 | 31,938,000 |
| Noninterest income | 898,000 | 1,712,000 | 2,582,000 | 3,480,000 |
| Noninterest expense | 5,991,000 | 11,856,000 | 17,540,000 | 23,318,000 |
| Provision for loan losses | 200,000 | 325,000 | 415,000 | 484,000 |
| Pretax income | 2,325,000 | 5,347,000 | 8,364,000 | 11,668,000 |
| Income tax | 738,000 | 1,754,000 | 2,768,000 | 3,725,000 |
| Net income | 1,587,000 | 3,593,000 | 5,596,000 | 7,943,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,413,000 | 76,438,000 | 76,200,000 | 78,486,000 |
| Total capital | 82,234,000 | 84,375,000 | 84,230,000 | 86,602,000 |
| Risk-weighted assets | 713,209,000 | 720,651,000 | 754,593,000 | 769,366,000 |