Call reports 2023
OAK VALLEY COMMUNITY BANK — 2023
What OAK VALLEY COMMUNITY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,940,515,000 | 1,861,511,000 | 1,835,329,000 | 1,842,269,000 |
| Total loans | 925,539,000 | 949,120,000 | 969,951,000 | 1,015,173,000 |
| Allowance for loan losses | 9,383,000 | 9,411,000 | 9,738,000 | 10,896,000 |
| Securities available for sale | 532,550,000 | 515,850,000 | 484,925,000 | 518,078,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,769,304,000 | 1,682,454,000 | 1,666,709,000 | 1,650,700,000 |
| Interest-bearing deposits | 1,099,270,000 | 1,029,444,000 | 1,038,927,000 | 1,033,864,000 |
| Noninterest-bearing deposits | 670,034,000 | 653,010,000 | 627,782,000 | 616,836,000 |
| Equity capital | 141,182,000 | 146,844,000 | 134,861,000 | 165,817,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 20,078,000 | 40,284,000 | 60,731,000 | 81,086,000 |
| Interest expense | 453,000 | 1,149,000 | 2,559,000 | 4,865,000 |
| Net interest income | 19,625,000 | 39,135,000 | 58,172,000 | 76,221,000 |
| Noninterest income | 1,374,000 | 2,969,000 | 4,560,000 | 5,990,000 |
| Noninterest expense | 9,894,000 | 19,828,000 | 30,285,000 | 40,784,000 |
| Provision for loan losses | -460,000 | -460,000 | -160,000 | 970,000 |
| Pretax income | 12,111,000 | 23,305,000 | 33,128,000 | 41,138,000 |
| Income tax | 2,738,000 | 5,392,000 | 7,722,000 | 9,777,000 |
| Net income | 9,373,000 | 17,913,000 | 25,406,000 | 31,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 160,772,000 | 169,335,000 | 175,524,000 | 181,500,000 |
| Total capital | 170,896,000 | 179,417,000 | 185,850,000 | 193,005,000 |
| Risk-weighted assets | 1,299,217,000 | 1,320,529,000 | 1,279,315,000 | 1,312,558,000 |