Call reports 2008
OJAI COMMUNITY BANK — 2008
What OJAI COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 50,341,000 | 49,001,000 | 50,743,000 | 104,287,000 |
| Total loans | 29,001,000 | 31,131,000 | 33,164,000 | 66,292,000 |
| Allowance for loan losses | 348,000 | 386,000 | 401,000 | 1,089,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,506,000 | 2,505,000 | 2,526,000 | 3,550,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,779,000 | 38,475,000 | 39,356,000 | 91,841,000 |
| Interest-bearing deposits | 29,477,000 | 29,053,000 | 28,653,000 | 66,698,000 |
| Noninterest-bearing deposits | 10,302,000 | 9,422,000 | 10,703,000 | 25,143,000 |
| Equity capital | 10,501,000 | 10,479,000 | 10,564,000 | 12,368,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 713,000 | 1,393,000 | 2,089,000 | 3,100,000 |
| Interest expense | 234,000 | 436,000 | 611,000 | 880,000 |
| Net interest income | 479,000 | 957,000 | 1,478,000 | 2,220,000 |
| Noninterest income | 27,000 | 54,000 | 83,000 | 162,000 |
| Noninterest expense | 452,000 | 880,000 | 1,349,000 | 2,178,000 |
| Provision for loan losses | 114,000 | 212,000 | 214,000 | 302,000 |
| Pretax income | -60,000 | -81,000 | 4,000 | -92,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | -60,000 | -82,000 | 3,000 | -93,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,501,000 | 10,479,000 | 10,564,000 | 9,237,000 |
| Total capital | 10,864,000 | 10,877,000 | 10,975,000 | 10,098,000 |
| Risk-weighted assets | 34,846,000 | 37,975,000 | 39,040,000 | 68,654,000 |