Call reports 2025
OAK VALLEY COMMUNITY BANK — 2025
What OAK VALLEY COMMUNITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,924,135,000 | 1,920,868,000 | 1,995,282,000 | 2,022,957,000 |
| Total loans | 1,089,188,000 | 1,107,979,000 | 1,110,996,000 | 1,141,988,000 |
| Allowance for loan losses | 11,448,000 | 11,430,000 | 11,420,000 | 12,381,000 |
| Securities available for sale | 518,685,000 | 503,347,000 | 530,661,000 | 543,532,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,713,777,000 | 1,711,617,000 | 1,775,055,000 | 1,793,192,000 |
| Interest-bearing deposits | 1,131,784,000 | 1,121,655,000 | 1,181,655,000 | 1,205,663,000 |
| Noninterest-bearing deposits | 581,993,000 | 589,962,000 | 593,400,000 | 587,529,000 |
| Equity capital | 183,105,000 | 185,405,000 | 197,973,000 | 207,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 21,239,000 | 42,803,000 | 65,460,000 | 88,489,000 |
| Interest expense | 3,309,000 | 6,576,000 | 9,896,000 | 13,307,000 |
| Net interest income | 17,930,000 | 36,227,000 | 55,564,000 | 75,182,000 |
| Noninterest income | 1,422,000 | 2,971,000 | 4,757,000 | 6,392,000 |
| Noninterest expense | 12,057,000 | 24,141,000 | 36,439,000 | 48,381,000 |
| Provision for loan losses | 0 | 0 | 0 | 986,000 |
| Pretax income | 7,080,000 | 14,603,000 | 23,529,000 | 31,997,000 |
| Income tax | 1,583,000 | 3,269,000 | 5,223,000 | 7,187,000 |
| Net income | 5,497,000 | 11,334,000 | 18,306,000 | 24,810,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 206,101,000 | 211,957,000 | 216,435,000 | 222,958,000 |
| Total capital | 218,169,000 | 224,252,000 | 228,660,000 | 236,023,000 |
| Risk-weighted assets | 1,403,017,000 | 1,428,053,000 | 1,422,622,000 | 1,459,894,000 |