Call reports 2009
OJAI COMMUNITY BANK — 2009
What OJAI COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 107,859,000 | 112,199,000 | 112,257,000 | 112,452,000 |
| Total loans | 79,077,000 | 73,720,000 | 80,669,000 | 81,853,000 |
| Allowance for loan losses | 1,814,000 | 1,124,000 | 1,339,000 | 1,343,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,048,000 | 3,046,000 | 4,044,000 | 4,041,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,135,000 | 98,532,000 | 98,783,000 | 99,654,000 |
| Interest-bearing deposits | 70,329,000 | 74,631,000 | 75,369,000 | 65,874,000 |
| Noninterest-bearing deposits | 23,806,000 | 23,901,000 | 23,414,000 | 33,780,000 |
| Equity capital | 13,657,000 | 13,406,000 | 13,098,000 | 12,532,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,217,000 | 2,507,000 | 3,819,000 | 5,189,000 |
| Interest expense | 292,000 | 584,000 | 858,000 | 1,108,000 |
| Net interest income | 925,000 | 1,923,000 | 2,961,000 | 4,081,000 |
| Noninterest income | 88,000 | 178,000 | 276,000 | 378,000 |
| Noninterest expense | 1,038,000 | 2,151,000 | 3,238,000 | 4,972,000 |
| Provision for loan losses | 750,000 | 943,000 | 1,271,000 | 1,303,000 |
| Pretax income | -775,000 | -993,000 | -1,272,000 | -1,816,000 |
| Income tax | 0 | 0 | 0 | 1,000 |
| Net income | -775,000 | -993,000 | -1,272,000 | -1,817,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,688,000 | 10,584,000 | 10,424,000 | 10,264,000 |
| Total capital | 11,704,000 | 11,560,000 | 11,462,000 | 11,313,000 |
| Risk-weighted assets | 80,471,000 | 77,898,000 | 82,732,000 | 83,589,000 |