Call reports 2016
OCULINA BANK, THE — 2016
What OCULINA BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 255,845,000 | 271,221,000 | 283,004,000 | 287,211,000 |
| Total loans | 212,168,000 | 229,232,000 | 247,552,000 | 247,952,000 |
| Allowance for loan losses | 1,690,000 | 1,722,000 | 1,794,000 | 1,871,000 |
| Securities available for sale | 1,999,000 | 3,056,000 | 3,044,000 | 2,990,000 |
| Securities held to maturity | 696,000 | 595,000 | 594,000 | 593,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,091,000 | 235,779,000 | 241,956,000 | 247,787,000 |
| Interest-bearing deposits | 174,885,000 | 189,165,000 | 196,385,000 | 198,264,000 |
| Noninterest-bearing deposits | 46,206,000 | 46,614,000 | 45,571,000 | 49,523,000 |
| Equity capital | 22,600,000 | 25,475,000 | 25,970,000 | 26,475,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,239,000 | 4,622,000 | 7,362,000 | 10,176,000 |
| Interest expense | 459,000 | 935,000 | 1,471,000 | 2,022,000 |
| Net interest income | 1,780,000 | 3,687,000 | 5,891,000 | 8,154,000 |
| Noninterest income | 862,000 | 1,445,000 | 1,817,000 | 2,260,000 |
| Noninterest expense | 1,546,000 | 3,286,000 | 5,005,000 | 6,791,000 |
| Provision for loan losses | 33,000 | 66,000 | 138,000 | 213,000 |
| Pretax income | 1,063,000 | 1,780,000 | 2,565,000 | 3,410,000 |
| Income tax | 388,000 | 646,000 | 931,000 | 1,237,000 |
| Net income | 675,000 | 1,134,000 | 1,634,000 | 2,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,461,000 | 25,409,000 | 25,915,000 | 26,478,000 |
| Total capital | 24,151,000 | 27,131,000 | 27,709,000 | 28,349,000 |
| Risk-weighted assets | 147,469,000 | 159,702,000 | 167,131,000 | 168,826,000 |