Call reports 2014
OCULINA BANK, THE — 2014
What OCULINA BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 173,947,000 | 170,361,000 | 175,362,000 | 183,118,000 |
| Total loans | 125,232,000 | 142,050,000 | 148,236,000 | 155,998,000 |
| Allowance for loan losses | 1,787,000 | 1,811,000 | 1,809,000 | 1,426,000 |
| Securities available for sale | 3,500,000 | 2,993,000 | 2,492,000 | 1,992,000 |
| Securities held to maturity | 803,000 | 802,000 | 801,000 | 800,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,399,000 | 144,605,000 | 148,872,000 | 155,593,000 |
| Interest-bearing deposits | 123,637,000 | 118,217,000 | 118,148,000 | 125,919,000 |
| Noninterest-bearing deposits | 27,762,000 | 26,388,000 | 30,724,000 | 29,674,000 |
| Equity capital | 16,276,000 | 16,485,000 | 17,117,000 | 18,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,563,000 | 3,195,000 | 4,985,000 | 6,741,000 |
| Interest expense | 294,000 | 585,000 | 867,000 | 1,162,000 |
| Net interest income | 1,269,000 | 2,610,000 | 4,118,000 | 5,579,000 |
| Noninterest income | 468,000 | 821,000 | 1,142,000 | 1,441,000 |
| Noninterest expense | 1,437,000 | 2,864,000 | 4,364,000 | 6,055,000 |
| Provision for loan losses | 15,000 | 30,000 | -343,000 | -728,000 |
| Pretax income | 285,000 | 562,000 | 1,264,000 | 1,718,000 |
| Income tax | 0 | 0 | 0 | -904,000 |
| Net income | 285,000 | 562,000 | 1,264,000 | 2,622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,273,000 | 16,478,000 | 17,111,000 | 17,779,000 |
| Total capital | 17,495,000 | 17,841,000 | 18,537,000 | 19,205,000 |
| Risk-weighted assets | 97,224,000 | 108,599,000 | 113,687,000 | 118,034,000 |