Call reports 2006
OJAI COMMUNITY BANK — 2006
What OJAI COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 27,844,000 | 29,740,000 | 32,502,000 | 36,658,000 |
| Total loans | 15,451,000 | 17,157,000 | 18,240,000 | 19,116,000 |
| Allowance for loan losses | 199,000 | 224,000 | 235,000 | 250,000 |
| Securities available for sale | 988,000 | 0 | 0 | 0 |
| Securities held to maturity | 6,465,000 | 4,974,000 | 4,983,000 | 2,989,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,872,000 | 19,735,000 | 22,435,000 | 26,507,000 |
| Interest-bearing deposits | 11,921,000 | 13,205,000 | 16,198,000 | 19,389,000 |
| Noninterest-bearing deposits | 5,951,000 | 6,530,000 | 6,237,000 | 7,118,000 |
| Equity capital | 9,945,000 | 9,967,000 | 10,018,000 | 10,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 441,000 | 948,000 | 1,502,000 | 2,110,000 |
| Interest expense | 52,000 | 134,000 | 251,000 | 410,000 |
| Net interest income | 389,000 | 814,000 | 1,251,000 | 1,700,000 |
| Noninterest income | 15,000 | 36,000 | 55,000 | 74,000 |
| Noninterest expense | 341,000 | 734,000 | 1,119,000 | 1,587,000 |
| Provision for loan losses | 51,000 | 76,000 | 96,000 | 111,000 |
| Pretax income | 12,000 | 30,000 | 81,000 | 66,000 |
| Income tax | 0 | 1,000 | 1,000 | -25,000 |
| Net income | 12,000 | 29,000 | 80,000 | 91,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,950,000 | 9,967,000 | 10,018,000 | 10,094,000 |
| Total capital | 10,163,000 | 10,207,000 | 10,266,000 | 10,357,000 |
| Risk-weighted assets | 18,186,000 | 19,943,000 | 21,528,000 | 23,885,000 |