Call reports 2001
OJAI VALLEY BANK — 2001
What OJAI VALLEY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 75,656,000 | 76,291,000 | 78,690,000 | 79,726,000 |
| Total loans | 30,503,000 | 30,980,000 | 32,289,000 | 32,069,000 |
| Allowance for loan losses | 710,000 | 702,000 | 704,000 | 640,000 |
| Securities available for sale | 5,094,000 | 4,090,000 | 4,088,000 | 4,055,000 |
| Securities held to maturity | 24,796,000 | 25,886,000 | 26,705,000 | 28,686,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,421,000 | 69,142,000 | 71,270,000 | 72,373,000 |
| Interest-bearing deposits | 50,352,000 | 51,213,000 | 54,320,000 | 54,064,000 |
| Noninterest-bearing deposits | 18,069,000 | 17,929,000 | 16,950,000 | 18,309,000 |
| Equity capital | 6,839,000 | 6,880,000 | 7,170,000 | 7,086,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,329,000 | 2,642,000 | 3,965,000 | 5,233,000 |
| Interest expense | 388,000 | 752,000 | 1,107,000 | 1,369,000 |
| Net interest income | 941,000 | 1,890,000 | 2,858,000 | 3,864,000 |
| Noninterest income | 148,000 | 285,000 | 410,000 | 552,000 |
| Noninterest expense | 653,000 | 1,283,000 | 1,917,000 | 2,707,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 436,000 | 892,000 | 1,351,000 | 1,709,000 |
| Income tax | 163,000 | 328,000 | 499,000 | 629,000 |
| Net income | 273,000 | 564,000 | 852,000 | 1,080,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,797,000 | 6,836,000 | 7,124,000 | 7,057,000 |
| Total capital | 7,285,000 | 7,335,000 | 7,659,000 | 7,590,000 |
| Risk-weighted assets | 38,841,000 | 39,684,000 | 42,593,000 | 42,523,000 |