Call reports 2007
OJAI COMMUNITY BANK — 2007
What OJAI COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 37,651,000 | 40,604,000 | 42,906,000 | 45,932,000 |
| Total loans | 16,136,000 | 19,915,000 | 22,773,000 | 25,804,000 |
| Allowance for loan losses | 250,000 | 260,000 | 284,000 | 336,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,978,000 | 4,981,000 | 3,989,000 | 2,495,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,486,000 | 30,401,000 | 32,585,000 | 35,314,000 |
| Interest-bearing deposits | 20,646,000 | 21,370,000 | 24,932,000 | 26,803,000 |
| Noninterest-bearing deposits | 6,840,000 | 9,031,000 | 7,653,000 | 8,511,000 |
| Equity capital | 10,122,000 | 10,149,000 | 10,252,000 | 10,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 612,000 | 1,254,000 | 1,981,000 | 2,752,000 |
| Interest expense | 179,000 | 380,000 | 604,000 | 858,000 |
| Net interest income | 433,000 | 874,000 | 1,377,000 | 1,894,000 |
| Noninterest income | 19,000 | 48,000 | 75,000 | 102,000 |
| Noninterest expense | 421,000 | 854,000 | 1,257,000 | 1,706,000 |
| Provision for loan losses | 0 | 10,000 | 34,000 | 86,000 |
| Pretax income | 31,000 | 58,000 | 161,000 | 204,000 |
| Income tax | 0 | 0 | 0 | -243,000 |
| Net income | 31,000 | 58,000 | 161,000 | 447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,122,000 | 10,149,000 | 10,252,000 | 10,561,000 |
| Total capital | 10,386,000 | 10,425,000 | 10,549,000 | 10,911,000 |
| Risk-weighted assets | 21,715,000 | 25,461,000 | 28,733,000 | 31,691,000 |