Oak Valley Community Bank in Oakdale, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Oak Valley Community Bank in Oakdale, California (CA)
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Oak Valley Community Bank routing number info

Oak Valley Community Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 128Total employees (full-time equivalent)
  • $612,351Total assets
  • $73,190Cash and due from depository institutions
  • $48,615Interest-bearing balances
  • $89,695Securities
  • $27,895Federal funds sold & reverse repurchase agreements
  • $386,958Net loans & leases
  • $8,609Loan loss allowance
  • $0Trading account assets
  • $13,499Bank premises and fixed assets
  • $244Other real estate owned
  • $0Goodwill and other intangibles
  • $612,351Life insurance assets
  • $20,870All other assets
  • $541,826Total liabilities and capital
  • $536,225Total liabilities
  • $406,062Total deposits
  • $536,225Interest-bearing deposits
  • $70Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,000Trading liabilities
  • $0Other borrowed funds
  • $2,601Subordinated debt
  • $70,525All other liabilities
  • $70,525Total equity capital
  • $70,525Total bank equity capital
  • $0Perpetual preferred stock
  • $25,148Common stock
  • $13,500Surplus
  • $31,877Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,657Income earned, not collected on loans
  • $0Earning assets
  • $1,703Long-term assets (5+ years)
  • $553,163Average Assets, year-to-date
  • $137,552Average Assets, quarterly
  • $576,817Volatile liabilities
  • $598,140Insider loans
  • $454,806FHLB advances
  • $595,180Loans and leases held for sale
  • $11,256Unused loan commitments
  • $9,276Tier 1 (core) risk-based capital
  • $67,835Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,980Total unused commitments
  • $45,764Restructured Loans and leases
  • $7,547Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $26,906Total interest income
  • $1,648Total interest expense
  • $25,258Net interest income
  • $1,500Provision for loan and lease losses
  • $2,132Total noninterest income
  • $0Fiduciary activities
  • $1,120Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,012Additional noninterest income
  • $16,711Total noninterest expense
  • $9,256Salaries and employee benefits
  • $2,759Premises and equipment expense
  • $4,696Additional noninterest expense
  • $9,179Pre-tax net operating income
  • $81Securities gains (losses)
  • $3,268Applicable income taxes
  • $5,992Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,992Net income attributable to bank
  • $0Net charge-offs
  • $5,992Cash dividends
  • $1,146Sale, conversion, retirement of capital stock, net
  • $1,152Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.11%Yield on earning assets
  • 0.31%Cost of funding earning assets
  • 4.80%Net interest margin
  • 0.40%Noninterest income to earning assets
  • 3.17%Noninterest expense to earning assets
  • 1.03%Net operating income to assets
  • 1.04%Return on assets (ROA)
  • 1.61%Pretax return on assets
  • 8.87%Return on equity (ROE)
  • 7.17%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 130.89%Credit loss provision to net charge-offs
  • 9.32%Efficiency ratio
  • 61,011Assets per employee
  • 4.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 19.23%Loss allowance to loans
  • 2.18%Loss allowance to noncurrent loans
  • 112.43%Noncurrent assets plus other real estate owned to assets
  • 1.29%Noncurrent loans to loans
  • 1.94%Net loans and leases to deposits
  • 72.16%Net loans and leases to core deposits
  • 73.66%Equity capital to assets
  • 11.52%Core capital (leverage) ratio
  • 11.40%Tier 1 risk-based capital ratio
  • 14.92%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $576,817Average earning assets
  • $67,534Average equity
  • $526,637Average loans

List of branches

  • 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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