Call reports 2013
OCULINA BANK, THE — 2013
What OCULINA BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 143,445,000 | 145,578,000 | 152,162,000 | 162,201,000 |
| Total loans | 115,405,000 | 123,543,000 | 130,959,000 | 121,842,000 |
| Allowance for loan losses | 1,740,000 | 1,782,000 | 1,807,000 | 1,831,000 |
| Securities available for sale | 2,508,000 | 2,505,000 | 2,881,000 | 3,436,000 |
| Securities held to maturity | 856,000 | 855,000 | 854,000 | 853,000 |
| Trading assets | 964,000 | 908,000 | 0 | 0 |
| Total deposits | 130,410,000 | 130,132,000 | 133,095,000 | 140,053,000 |
| Interest-bearing deposits | 108,989,000 | 108,428,000 | 111,670,000 | 119,406,000 |
| Noninterest-bearing deposits | 21,421,000 | 21,704,000 | 21,425,000 | 20,647,000 |
| Equity capital | 12,846,000 | 15,269,000 | 15,731,000 | 15,948,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,513,000 | 3,075,000 | 4,808,000 | 6,561,000 |
| Interest expense | 273,000 | 543,000 | 822,000 | 1,113,000 |
| Net interest income | 1,240,000 | 2,532,000 | 3,986,000 | 5,448,000 |
| Noninterest income | 260,000 | 406,000 | 878,000 | 1,579,000 |
| Noninterest expense | 1,874,000 | 3,895,000 | 5,323,000 | 7,225,000 |
| Provision for loan losses | 115,000 | 230,000 | 245,000 | 260,000 |
| Pretax income | -489,000 | -1,187,000 | -704,000 | -458,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -489,000 | -1,187,000 | -704,000 | -458,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,846,000 | 15,261,000 | 15,744,000 | 15,990,000 |
| Total capital | 14,056,000 | 16,493,000 | 17,011,000 | 17,176,000 |
| Risk-weighted assets | 96,236,000 | 97,997,000 | 100,819,000 | 94,262,000 |