Call reports 2002
OJAI VALLEY BANK — 2002
What OJAI VALLEY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 83,117,000 | 80,986,000 | 83,494,000 | 82,868,000 |
| Total loans | 31,303,000 | 35,312,000 | 34,754,000 | 34,582,000 |
| Allowance for loan losses | 649,000 | 646,000 | 660,000 | 656,000 |
| Securities available for sale | 2,015,000 | 1,021,000 | 1,041,000 | 2,086,000 |
| Securities held to maturity | 30,174,000 | 32,298,000 | 29,818,000 | 29,732,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,547,000 | 73,364,000 | 75,504,000 | 75,022,000 |
| Interest-bearing deposits | 55,726,000 | 53,291,000 | 54,230,000 | 55,357,000 |
| Noninterest-bearing deposits | 19,821,000 | 20,073,000 | 21,274,000 | 19,665,000 |
| Equity capital | 7,323,000 | 7,381,000 | 7,748,000 | 7,580,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,207,000 | 2,433,000 | 3,680,000 | 4,880,000 |
| Interest expense | 218,000 | 412,000 | 595,000 | 774,000 |
| Net interest income | 989,000 | 2,021,000 | 3,085,000 | 4,106,000 |
| Noninterest income | 127,000 | 278,000 | 457,000 | 600,000 |
| Noninterest expense | 699,000 | 1,399,000 | 2,115,000 | 2,982,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 417,000 | 900,000 | 1,427,000 | 1,724,000 |
| Income tax | 158,000 | 325,000 | 498,000 | 628,000 |
| Net income | 259,000 | 575,000 | 929,000 | 1,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,315,000 | 7,381,000 | 7,735,000 | 7,562,000 |
| Total capital | 7,851,000 | 7,961,000 | 8,322,000 | 8,155,000 |
| Risk-weighted assets | 42,760,000 | 46,356,000 | 46,860,000 | 47,383,000 |