Call reports 2017
OCULINA BANK, THE — 2017
What OCULINA BANK, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 300,019,000 | 320,803,000 | 309,711,000 | 320,798,000 |
| Total loans | 264,191,000 | 280,440,000 | 273,361,000 | 292,490,000 |
| Allowance for loan losses | 1,946,000 | 2,021,000 | 2,116,000 | 2,191,000 |
| Securities available for sale | 2,992,000 | 3,671,000 | 3,674,000 | 3,643,000 |
| Securities held to maturity | 592,000 | 591,000 | 590,000 | 589,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,225,000 | 260,064,000 | 251,101,000 | 258,584,000 |
| Interest-bearing deposits | 188,842,000 | 202,932,000 | 195,331,000 | 200,697,000 |
| Noninterest-bearing deposits | 56,383,000 | 57,132,000 | 55,770,000 | 57,887,000 |
| Equity capital | 26,975,000 | 27,713,000 | 28,533,000 | 29,299,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,853,000 | 5,935,000 | 9,166,000 | 12,507,000 |
| Interest expense | 568,000 | 1,187,000 | 1,858,000 | 2,531,000 |
| Net interest income | 2,285,000 | 4,748,000 | 7,308,000 | 9,976,000 |
| Noninterest income | 351,000 | 821,000 | 1,490,000 | 1,977,000 |
| Noninterest expense | 1,782,000 | 3,474,000 | 5,315,000 | 7,090,000 |
| Provision for loan losses | 75,000 | 150,000 | 245,000 | 320,000 |
| Pretax income | 779,000 | 1,945,000 | 3,238,000 | 4,543,000 |
| Income tax | 282,000 | 710,000 | 1,185,000 | 1,704,000 |
| Net income | 497,000 | 1,235,000 | 2,053,000 | 2,839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,974,000 | 27,730,000 | 28,549,000 | 29,334,000 |
| Total capital | 28,920,000 | 29,751,000 | 30,665,000 | 31,525,000 |
| Risk-weighted assets | 182,813,000 | 189,491,000 | 182,642,000 | 191,730,000 |