Call reports 2021
OAK VALLEY COMMUNITY BANK — 2021
What OAK VALLEY COMMUNITY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,665,927,000 | 1,764,403,000 | 1,856,700,000 | 1,964,554,000 |
| Total loans | 1,022,735,000 | 938,870,000 | 869,584,000 | 858,585,000 |
| Allowance for loan losses | 11,312,000 | 11,327,000 | 11,351,000 | 10,738,000 |
| Securities available for sale | 215,481,000 | 236,775,000 | 241,687,000 | 262,889,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,518,517,000 | 1,614,613,000 | 1,701,287,000 | 1,807,036,000 |
| Interest-bearing deposits | 868,330,000 | 934,224,000 | 970,480,000 | 1,037,350,000 |
| Noninterest-bearing deposits | 650,187,000 | 680,389,000 | 730,807,000 | 769,686,000 |
| Equity capital | 131,748,000 | 136,432,000 | 139,624,000 | 142,499,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 12,529,000 | 24,864,000 | 38,476,000 | 50,108,000 |
| Interest expense | 235,000 | 495,000 | 741,000 | 971,000 |
| Net interest income | 12,294,000 | 24,369,000 | 37,735,000 | 49,137,000 |
| Noninterest income | 1,154,000 | 2,445,000 | 3,689,000 | 4,998,000 |
| Noninterest expense | 7,492,000 | 15,458,000 | 23,658,000 | 32,276,000 |
| Provision for loan losses | 0 | 0 | 0 | -635,000 |
| Pretax income | 5,911,000 | 11,312,000 | 17,699,000 | 22,550,000 |
| Income tax | 1,404,000 | 2,688,000 | 4,384,000 | 5,572,000 |
| Net income | 4,507,000 | 8,624,000 | 13,315,000 | 16,978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 121,317,000 | 125,457,000 | 128,977,000 | 132,664,000 |
| Total capital | 133,057,000 | 137,219,000 | 140,781,000 | 143,871,000 |
| Risk-weighted assets | 993,001,000 | 999,809,000 | 1,025,386,000 | 1,055,046,000 |