Oak Valley Community Bank in Oakdale, California (CA)



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Oak Valley Community Bank routing number info

Table of contents:
Oak Valley Community Bank
GeneralFDIC Certificate #: 33457
Status: Active
Federal Reserve ID: 1864197
Bank Holding Company (Regulatory Top Holder): Oak Valley Bancorp (RSSDID: 3726440, Location: Oakdale, CA)
Date Established: May 28, 1991
WWW: http://www.ovcb.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 14 (Domestic: 14, Interstate: No)
OTS Docket #: 15881
FDIC's unique #: 47142
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: May 28, 1991
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 125 North Third Avenue, Oakdale, CA 95361
County: Stanislaus
Quarterly Banking Profile Region: San Francisco
FDIC Geographic Region: San Francisco
FDIC Supervisory Region: San Francisco
FDIC Field Office: Sacramento
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Metropolitan Statistical Area (MSA): Modesto, CA (#5170)
Core Based Statistical Area (CBSA): Modesto, CA (#33700)
CBSA Metro Statistical Area: Modesto, CA (#33700)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $612.4 mil
Equity capital: $70.5 mil
Deposits held in domestic offices: $536.2 mil
Return on assets (ROA): 1.04% ($6.4 mil)
Quarterly return on assets: 1.03% ($6.3 mil)
Return on Equity (ROE): 8.87% ($6.3 mil)
Quarterly return on equity: 8.76% ($6.2 mil)
Net income: $6.0 mil
Quarterly Net income: $1.5 mil
Pretax return on assets: 1.61% ($9,858.9 mil)
Quarterly Pretax return on assets: 1.66% ($10,165.0 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)128
Total assets$612,351
Cash and due from depository institutions$73,190
Interest-bearing balances$48,615
Securities$89,695
Federal funds sold & reverse repurchase agreements$27,895
Net loans & leases$386,958
Loan loss allowance $8,609
Trading account assets$0
Bank premises and fixed assets$13,499
Other real estate owned$244
Goodwill and other intangibles$0
All other assets$20,870
Life insurance assets$612,351
Total liabilities and capital$541,826
Total liabilities$536,225
Total deposits$406,062
Interest-bearing deposits$536,225
Deposits held in domestic offices$70
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$3,000
Other borrowed funds $0
Subordinated debt $2,601
All other liabilities $70,525
Total equity capital$70,525
Total bank equity capital$70,525
Perpetual preferred stock$0
Common stock$25,148
Surplus$13,500
Undivided profits $31,877
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $7,657
Earning assets $0
Long-term assets (5+ years) $1,703
Average Assets, year-to-date $553,163
Average Assets, quarterly $137,552
Volatile liabilities $576,817
Insider loans $598,140
FHLB advances $454,806
Loans and leases held for sale $595,180
Unused loan commitments $11,256
Tier 1 (core) risk-based capital $9,276
Tier 2 risk-based capital $67,835
Total risk weighted assets $0
Total unused commitments $1,980
Restructured Loans and leases $45,764
Derivatives$7,547
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $26,906
Total interest expense $1,648
Net interest income $25,258
Provision for loan and lease losses $1,500
Total noninterest income $2,132
Fiduciary activities $0
Service charges on deposit accounts $1,120
Trading account gains & fees $0
Additional noninterest income $1,012
Total noninterest expense $16,711
Salaries and employee benefits $9,256
Premises and equipment expense $2,759
Additional noninterest expense $4,696
Pre-tax net operating income $9,179
Securities gains (losses) $81
Applicable income taxes $3,268
Income before extraordinary items $5,992
Extraordinary gains - net $0
Net income attributable to bank $5,992
Net charge-offs $0
Cash dividends $5,992
Sale, conversion, retirement of capital stock, net $1,146
Net operating income $1,152
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.11%
Cost of funding earning assets 0.31%
Net interest margin 4.80%
Noninterest income to earning assets 0.40%
Noninterest expense to earning assets 3.17%
Net operating income to assets 1.03%
Return on assets (ROA) 1.04%
Pretax return on assets 1.61%
Return on equity (ROE) 8.87%
Retained earnings to average equity (YTD only) 7.17%
Net charge-offs to loans 0.29%
Credit loss provision to net charge-offs 130.89%
Efficiency ratio9.32%
Assets per employee$61,011
Cash dividends to net income (YTD only)4.78%
Condition Ratios (%)
Loss allowance to loans 19.23%
Loss allowance to noncurrent loans 2.18%
Noncurrent assets plus other real estate owned to assets 112.43%
Noncurrent loans to loans 1.29%
Net loans and leases to deposits1.94%
Net loans and leases to core deposits 72.16%
Equity capital to assets 73.66%
Core capital (leverage) ratio 11.52%
Tier 1 risk-based capital ratio 11.40%
Total risk-based capital ratio 14.92%
Memoranda
Average assets$16
Average earning assets$576,817
Average equity $67,534
Average loans $526,637
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14 California Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
047142Oak Valley Community Bank125 North Third Avenue, Oakdale, CA 95361May 28, 1991Full Service Brick and Mortar
1357368Oakdale Branch125n. Third Avenue, Oakdale, CA 95361May 28, 1991Full Service Brick and Mortar
2357369Sonora Branch14580 Mono Way, Sonora, CA 95370May 28, 1996Full Service Brick and Mortar
335737012th & I1200 I Street #3, Modesto, CA 95354May 28, 1997Full Service Brick and Mortar
4361828Bridgeport Branch166 Main Street, Bridgeport, CA 93517September 29, 2000Full Service Brick and Mortar
5361829Mammoth Lakes Branch307 Old Mammoth Road, Mammoth Lakes, CA 93546May 29, 2001Full Service Brick and Mortar
6365202Bishop Branch351 North Main Street, Bishop, CA 93514May 29, 2002Full Service Brick and Mortar
7419825Modesto Dale Branch4120-B Dale Road, Modesto, CA 95350March 10, 2003Full Service Brick and Mortar
9433601Turlock Branch2001 Geer Road, Turlock, CA 95382January 03, 2005Full Service Brick and Mortar
10453332Patterson Branch20 Plaza Circle, Patterson, CA 95363November 17, 2005Full Service Brick and Mortar
11453333Escalon Branch1910 Mchenry Avenue, Escalon, CA 95320April 03, 2006Full Service Brick and Mortar
12453334Ripon Branch150 N Wilma Avenue #2, Ripon, CA 95366December 27, 2005Full Service Brick and Mortar
14478508Stockton Branch2935 West March Lane, Stockton, CA 95219December 18, 2007Full Service Brick and Mortar
15520818Mchenry Branch3508 Mchenry Avenue, Modesto, CA 95356June 13, 2011Full Service Brick and Mortar
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