Call reports 2005
OJAI COMMUNITY BANK — 2005
What OJAI COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 14,786,000 | 20,922,000 | 26,814,000 | 25,424,000 |
| Total loans | 163,000 | 3,690,000 | 5,352,000 | 11,752,000 |
| Allowance for loan losses | 5,000 | 46,000 | 85,000 | 148,000 |
| Securities available for sale | 0 | 0 | 992,000 | 989,000 |
| Securities held to maturity | 1,480,000 | 2,485,000 | 5,439,000 | 6,452,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,287,000 | 10,728,000 | 16,759,000 | 15,456,000 |
| Interest-bearing deposits | 2,203,000 | 6,700,000 | 11,419,000 | 10,744,000 |
| Noninterest-bearing deposits | 2,084,000 | 4,028,000 | 5,340,000 | 4,712,000 |
| Equity capital | 10,497,000 | 10,184,000 | 10,031,000 | 9,934,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 28,000 | 175,000 | 494,000 | 837,000 |
| Interest expense | 2,000 | 20,000 | 53,000 | 101,000 |
| Net interest income | 26,000 | 155,000 | 441,000 | 736,000 |
| Noninterest income | 62,000 | 65,000 | 8,000 | 16,000 |
| Noninterest expense | 534,000 | 938,000 | 1,279,000 | 1,614,000 |
| Provision for loan losses | 5,000 | 46,000 | 85,000 | 148,000 |
| Pretax income | -451,000 | -764,000 | -915,000 | -1,010,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | -451,000 | -765,000 | -916,000 | -1,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,497,000 | 10,184,000 | 10,033,000 | 9,938,000 |
| Total capital | 10,502,000 | 10,230,000 | 10,127,000 | 10,097,000 |
| Risk-weighted assets | 3,032,000 | 7,763,000 | 9,486,000 | 14,006,000 |