Call reports 2015
OCULINA BANK, THE — 2015
What OCULINA BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 195,583,000 | 210,067,000 | 224,585,000 | 236,575,000 |
| Total loans | 168,521,000 | 181,192,000 | 193,895,000 | 203,964,000 |
| Allowance for loan losses | 1,422,000 | 1,438,000 | 1,509,000 | 1,657,000 |
| Securities available for sale | 2,000,000 | 2,499,000 | 2,503,000 | 1,993,000 |
| Securities held to maturity | 799,000 | 799,000 | 798,000 | 797,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,306,000 | 179,464,000 | 196,580,000 | 210,358,000 |
| Interest-bearing deposits | 133,129,000 | 145,147,000 | 161,799,000 | 171,675,000 |
| Noninterest-bearing deposits | 32,177,000 | 34,317,000 | 34,781,000 | 38,683,000 |
| Equity capital | 18,399,000 | 20,685,000 | 21,109,000 | 21,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,851,000 | 3,808,000 | 5,912,000 | 8,186,000 |
| Interest expense | 322,000 | 675,000 | 1,053,000 | 1,482,000 |
| Net interest income | 1,529,000 | 3,133,000 | 4,859,000 | 6,704,000 |
| Noninterest income | 365,000 | 784,000 | 1,242,000 | 1,612,000 |
| Noninterest expense | 1,523,000 | 3,115,000 | 4,666,000 | 6,242,000 |
| Provision for loan losses | 15,000 | 30,000 | 99,000 | 132,000 |
| Pretax income | 356,000 | 772,000 | 1,336,000 | 1,942,000 |
| Income tax | 122,000 | 251,000 | 393,000 | 680,000 |
| Net income | 234,000 | 521,000 | 943,000 | 1,262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,151,000 | 20,491,000 | 20,980,000 | 21,356,000 |
| Total capital | 19,573,000 | 21,929,000 | 22,489,000 | 23,013,000 |
| Risk-weighted assets | 123,383,000 | 133,824,000 | 138,714,000 | 145,945,000 |