Call reports 2019
OAK VALLEY COMMUNITY BANK — 2019
What OAK VALLEY COMMUNITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,055,490,000 | 1,068,909,000 | 1,101,057,000 | 1,147,737,000 |
| Total loans | 706,445,000 | 717,110,000 | 731,451,000 | 750,193,000 |
| Allowance for loan losses | 8,677,000 | 8,770,000 | 9,005,000 | 9,146,000 |
| Securities available for sale | 200,405,000 | 205,197,000 | 193,601,000 | 190,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 938,825,000 | 949,254,000 | 978,132,000 | 1,020,078,000 |
| Interest-bearing deposits | 599,158,000 | 599,361,000 | 597,351,000 | 614,192,000 |
| Noninterest-bearing deposits | 339,667,000 | 349,893,000 | 380,781,000 | 405,886,000 |
| Equity capital | 101,945,000 | 106,334,000 | 109,107,000 | 112,373,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 10,609,000 | 21,194,000 | 32,091,000 | 42,914,000 |
| Interest expense | 422,000 | 805,000 | 1,189,000 | 1,568,000 |
| Net interest income | 10,187,000 | 20,389,000 | 30,902,000 | 41,346,000 |
| Noninterest income | 1,027,000 | 2,116,000 | 3,258,000 | 4,409,000 |
| Noninterest expense | 7,022,000 | 14,089,000 | 21,016,000 | 27,943,000 |
| Provision for loan losses | 0 | 95,000 | 335,000 | 545,000 |
| Pretax income | 4,343,000 | 8,521,000 | 13,054,000 | 17,506,000 |
| Income tax | 1,105,000 | 2,170,000 | 3,325,000 | 4,429,000 |
| Net income | 3,238,000 | 6,351,000 | 9,729,000 | 13,077,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 97,330,000 | 100,469,000 | 102,764,000 | 106,139,000 |
| Total capital | 106,452,000 | 109,719,000 | 112,202,000 | 115,712,000 |
| Risk-weighted assets | 896,029,000 | 914,965,000 | 926,078,000 | 937,360,000 |