Call reports 2024
OAK VALLEY COMMUNITY BANK — 2024
What OAK VALLEY COMMUNITY BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 1,805,457,000 | 1,840,415,000 | 1,900,236,000 | 1,900,495,000 |
| Total loans | 1,038,245,000 | 1,068,719,000 | 1,073,709,000 | 1,104,974,000 |
| Allowance for loan losses | 10,922,000 | 11,121,000 | 11,479,000 | 11,460,000 |
| Securities available for sale | 505,091,000 | 492,762,000 | 517,332,000 | 526,496,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,612,826,000 | 1,645,361,000 | 1,690,813,000 | 1,696,247,000 |
| Interest-bearing deposits | 1,035,962,000 | 1,064,158,000 | 1,105,525,000 | 1,112,428,000 |
| Noninterest-bearing deposits | 576,864,000 | 581,203,000 | 585,288,000 | 583,819,000 |
| Equity capital | 166,254,000 | 171,125,000 | 184,708,000 | 182,783,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 20,109,000 | 40,491,000 | 61,756,000 | 83,411,000 |
| Interest expense | 2,750,000 | 5,704,000 | 9,194,000 | 12,861,000 |
| Net interest income | 17,359,000 | 34,787,000 | 52,562,000 | 70,550,000 |
| Noninterest income | 1,372,000 | 2,980,000 | 4,554,000 | 5,966,000 |
| Noninterest expense | 11,286,000 | 22,623,000 | 33,717,000 | 45,070,000 |
| Provision for loan losses | 0 | 0 | -1,620,000 | -1,620,000 |
| Pretax income | 7,547,000 | 15,256,000 | 25,315,000 | 33,369,000 |
| Income tax | 1,597,000 | 3,225,000 | 5,821,000 | 7,637,000 |
| Net income | 5,950,000 | 12,031,000 | 19,494,000 | 25,732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 185,130,000 | 191,231,000 | 196,834,000 | 203,093,000 |
| Total capital | 196,583,000 | 202,883,000 | 208,800,000 | 214,899,000 |
| Risk-weighted assets | 1,323,856,000 | 1,353,083,000 | 1,362,721,000 | 1,403,429,000 |