Call reports 2003
OJAI VALLEY BANK — 2003
What OJAI VALLEY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Total assets | 86,185,000 | 88,397,000 | 87,903,000 |
| Total loans | 34,836,000 | 33,770,000 | 32,515,000 |
| Allowance for loan losses | 663,000 | 675,000 | 660,000 |
| Securities available for sale | 3,149,000 | 2,144,000 | 4,196,000 |
| Securities held to maturity | 28,832,000 | 31,834,000 | 28,722,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 78,088,000 | 80,337,000 | 79,661,000 |
| Interest-bearing deposits | 54,949,000 | 57,125,000 | 55,723,000 |
| Noninterest-bearing deposits | 23,139,000 | 23,212,000 | 23,938,000 |
| Equity capital | 7,835,000 | 7,815,000 | 8,015,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Interest income | 1,174,000 | 2,277,000 | 3,366,000 |
| Interest expense | 156,000 | 311,000 | 458,000 |
| Net interest income | 1,018,000 | 1,966,000 | 2,908,000 |
| Noninterest income | 125,000 | 243,000 | 360,000 |
| Noninterest expense | 747,000 | 1,483,000 | 2,236,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 396,000 | 754,000 | 1,060,000 |
| Income tax | 142,000 | 264,000 | 365,000 |
| Net income | 254,000 | 490,000 | 695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Tier 1 capital | 7,816,000 | 7,786,000 | 7,991,000 |
| Total capital | 8,425,000 | 8,401,000 | 8,596,000 |
| Risk-weighted assets | 48,645,000 | 49,116,000 | 48,309,000 |