Call reports 2017
OAK VALLEY COMMUNITY BANK — 2017
What OAK VALLEY COMMUNITY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 989,738,000 | 1,020,426,000 | 996,678,000 | 1,034,666,000 |
| Total loans | 610,902,000 | 621,936,000 | 634,828,000 | 661,155,000 |
| Allowance for loan losses | 7,827,000 | 7,854,000 | 7,917,000 | 8,166,000 |
| Securities available for sale | 169,869,000 | 175,252,000 | 180,857,000 | 182,360,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 899,329,000 | 925,994,000 | 902,001,000 | 939,151,000 |
| Interest-bearing deposits | 601,374,000 | 619,101,000 | 607,689,000 | 612,922,000 |
| Noninterest-bearing deposits | 297,955,000 | 306,893,000 | 294,312,000 | 326,229,000 |
| Equity capital | 83,714,000 | 87,784,000 | 89,309,000 | 90,346,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 8,392,000 | 17,175,000 | 26,139,000 | 35,528,000 |
| Interest expense | 229,000 | 498,000 | 773,000 | 1,065,000 |
| Net interest income | 8,163,000 | 16,677,000 | 25,366,000 | 34,463,000 |
| Noninterest income | 902,000 | 2,901,000 | 4,073,000 | 5,134,000 |
| Noninterest expense | 6,025,000 | 12,006,000 | 17,955,000 | 24,021,000 |
| Provision for loan losses | 0 | 35,000 | 105,000 | 350,000 |
| Pretax income | 3,429,000 | 7,927,000 | 11,773,000 | 15,621,000 |
| Income tax | 1,173,000 | 2,772,000 | 4,103,000 | 6,391,000 |
| Net income | 2,256,000 | 5,155,000 | 7,670,000 | 9,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,634,000 | 82,552,000 | 84,074,000 | 85,462,000 |
| Total capital | 87,750,000 | 90,708,000 | 92,289,000 | 93,933,000 |
| Risk-weighted assets | 778,321,000 | 793,317,000 | 799,956,000 | 833,537,000 |