Call reports 2020
OAK VALLEY COMMUNITY BANK — 2020
What OAK VALLEY COMMUNITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,156,478,000 | 1,464,794,000 | 1,448,980,000 | 1,511,435,000 |
| Total loans | 759,312,000 | 996,247,000 | 1,020,667,000 | 1,008,543,000 |
| Allowance for loan losses | 9,586,000 | 11,443,000 | 11,635,000 | 11,297,000 |
| Securities available for sale | 245,155,000 | 241,541,000 | 226,912,000 | 217,164,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,027,125,000 | 1,300,121,000 | 1,311,454,000 | 1,368,059,000 |
| Interest-bearing deposits | 616,254,000 | 715,009,000 | 766,855,000 | 804,882,000 |
| Noninterest-bearing deposits | 410,871,000 | 585,112,000 | 544,599,000 | 563,177,000 |
| Equity capital | 114,030,000 | 119,564,000 | 123,645,000 | 129,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 10,631,000 | 22,149,000 | 33,928,000 | 46,371,000 |
| Interest expense | 331,000 | 637,000 | 911,000 | 1,153,000 |
| Net interest income | 10,300,000 | 21,512,000 | 33,017,000 | 45,218,000 |
| Noninterest income | 1,131,000 | 2,032,000 | 3,200,000 | 4,400,000 |
| Noninterest expense | 7,206,000 | 13,849,000 | 21,144,000 | 28,945,000 |
| Provision for loan losses | 450,000 | 2,310,000 | 2,503,000 | 2,165,000 |
| Pretax income | 3,827,000 | 7,452,000 | 12,630,000 | 18,557,000 |
| Income tax | 967,000 | 1,878,000 | 3,174,000 | 4,265,000 |
| Net income | 2,860,000 | 5,574,000 | 9,456,000 | 14,292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 107,624,000 | 110,363,000 | 113,118,000 | 117,978,000 |
| Total capital | 117,606,000 | 122,225,000 | 125,140,000 | 129,654,000 |
| Risk-weighted assets | 970,574,000 | 975,592,000 | 970,877,000 | 986,974,000 |