Call reports 2018
OCULINA BANK, THE — 2018
What OCULINA BANK, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 341,590,000 | 358,563,000 | 357,709,000 | 361,440,000 |
| Total loans | 298,887,000 | 304,387,000 | 322,247,000 | 319,307,000 |
| Allowance for loan losses | 2,266,000 | 2,341,000 | 2,416,000 | 2,491,000 |
| Securities available for sale | 4,110,000 | 3,603,000 | 3,597,000 | 3,632,000 |
| Securities held to maturity | 588,000 | 587,000 | 586,000 | 585,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,107,000 | 294,382,000 | 290,733,000 | 299,548,000 |
| Interest-bearing deposits | 211,417,000 | 229,584,000 | 224,145,000 | 235,933,000 |
| Noninterest-bearing deposits | 63,690,000 | 64,798,000 | 66,588,000 | 63,615,000 |
| Equity capital | 30,283,000 | 31,205,000 | 31,939,000 | 32,958,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,410,000 | 7,005,000 | 10,717,000 | 14,383,000 |
| Interest expense | 722,000 | 1,642,000 | 2,560,000 | 3,615,000 |
| Net interest income | 2,688,000 | 5,363,000 | 8,157,000 | 10,768,000 |
| Noninterest income | 647,000 | 1,302,000 | 1,581,000 | 2,288,000 |
| Noninterest expense | 1,924,000 | 3,945,000 | 5,927,000 | 7,882,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,336,000 | 2,570,000 | 3,586,000 | 4,874,000 |
| Income tax | 332,000 | 638,000 | 889,000 | 1,209,000 |
| Net income | 1,004,000 | 1,932,000 | 2,697,000 | 3,665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,347,000 | 31,274,000 | 32,039,000 | 33,005,000 |
| Total capital | 32,613,000 | 33,615,000 | 34,455,000 | 35,496,000 |
| Risk-weighted assets | 196,377,000 | 197,542,000 | 201,912,000 | 202,197,000 |