Call reports 2018
OAK VALLEY COMMUNITY BANK — 2018
What OAK VALLEY COMMUNITY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,052,560,000 | 1,069,476,000 | 1,075,744,000 | 1,094,064,000 |
| Total loans | 647,067,000 | 653,298,000 | 662,130,000 | 710,906,000 |
| Allowance for loan losses | 8,165,000 | 8,162,000 | 8,135,000 | 8,685,000 |
| Securities available for sale | 198,221,000 | 204,713,000 | 205,238,000 | 206,711,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 955,498,000 | 970,895,000 | 974,755,000 | 986,777,000 |
| Interest-bearing deposits | 639,504,000 | 650,472,000 | 652,604,000 | 641,941,000 |
| Noninterest-bearing deposits | 315,994,000 | 320,423,000 | 322,151,000 | 344,835,000 |
| Equity capital | 91,193,000 | 93,750,000 | 95,275,000 | 98,678,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 9,479,000 | 19,234,000 | 29,681,000 | 40,520,000 |
| Interest expense | 290,000 | 650,000 | 1,080,000 | 1,606,000 |
| Net interest income | 9,189,000 | 18,584,000 | 28,601,000 | 38,914,000 |
| Noninterest income | 1,172,000 | 2,171,000 | 3,242,000 | 4,286,000 |
| Noninterest expense | 6,586,000 | 13,265,000 | 19,904,000 | 26,551,000 |
| Provision for loan losses | 0 | 0 | 0 | 555,000 |
| Pretax income | 3,846,000 | 7,480,000 | 11,904,000 | 16,085,000 |
| Income tax | 953,000 | 1,854,000 | 2,999,000 | 4,049,000 |
| Net income | 2,893,000 | 5,626,000 | 8,905,000 | 12,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,007,000 | 89,768,000 | 92,012,000 | 95,172,000 |
| Total capital | 95,540,000 | 98,302,000 | 100,538,000 | 104,253,000 |
| Risk-weighted assets | 842,722,000 | 851,636,000 | 844,992,000 | 888,013,000 |