Call reports 2010
OJAI COMMUNITY BANK — 2010
What OJAI COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 113,550,000 | 115,385,000 | 120,016,000 | 123,917,000 |
| Total loans | 82,418,000 | 82,135,000 | 84,390,000 | 85,845,000 |
| Allowance for loan losses | 1,845,000 | 1,031,000 | 1,877,000 | 2,101,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,038,000 | 4,036,000 | 4,033,000 | 3,030,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,755,000 | 102,549,000 | 107,761,000 | 111,611,000 |
| Interest-bearing deposits | 76,223,000 | 76,852,000 | 82,754,000 | 84,846,000 |
| Noninterest-bearing deposits | 24,532,000 | 25,697,000 | 25,007,000 | 26,765,000 |
| Equity capital | 12,704,000 | 12,781,000 | 12,162,000 | 12,149,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,376,000 | 2,772,000 | 4,180,000 | 5,572,000 |
| Interest expense | 225,000 | 431,000 | 633,000 | 822,000 |
| Net interest income | 1,151,000 | 2,341,000 | 3,547,000 | 4,750,000 |
| Noninterest income | 604,000 | 716,000 | 829,000 | 949,000 |
| Noninterest expense | 1,031,000 | 1,976,000 | 2,986,000 | 4,077,000 |
| Provision for loan losses | 524,000 | 778,000 | 1,679,000 | 1,910,000 |
| Pretax income | 200,000 | 303,000 | -289,000 | -288,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 200,000 | 302,000 | -290,000 | -289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,582,000 | 10,806,000 | 10,333,000 | 10,467,000 |
| Total capital | 11,642,000 | 11,857,000 | 11,427,000 | 11,596,000 |
| Risk-weighted assets | 83,952,000 | 84,849,000 | 86,746,000 | 89,344,000 |