Call reports 2011
OJAI COMMUNITY BANK — 2011
What OJAI COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 123,891,000 | 124,843,000 | 125,095,000 | 128,344,000 |
| Total loans | 79,100,000 | 78,025,000 | 72,645,000 | 77,204,000 |
| Allowance for loan losses | 2,232,000 | 1,797,000 | 1,936,000 | 1,753,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,028,000 | 3,025,000 | 3,022,000 | 3,020,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,545,000 | 112,398,000 | 112,423,000 | 114,299,000 |
| Interest-bearing deposits | 83,542,000 | 82,200,000 | 80,509,000 | 82,017,000 |
| Noninterest-bearing deposits | 28,003,000 | 30,198,000 | 31,914,000 | 32,282,000 |
| Equity capital | 12,221,000 | 12,330,000 | 12,443,000 | 13,887,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,309,000 | 2,614,000 | 3,848,000 | 5,050,000 |
| Interest expense | 174,000 | 325,000 | 456,000 | 572,000 |
| Net interest income | 1,135,000 | 2,289,000 | 3,392,000 | 4,478,000 |
| Noninterest income | 108,000 | 220,000 | 333,000 | 440,000 |
| Noninterest expense | 1,003,000 | 1,992,000 | 2,934,000 | 3,881,000 |
| Provision for loan losses | 175,000 | 350,000 | 490,000 | 490,000 |
| Pretax income | 65,000 | 167,000 | 301,000 | 547,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 65,000 | 166,000 | 300,000 | 546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,602,000 | 10,774,000 | 10,950,000 | 12,457,000 |
| Total capital | 11,667,000 | 11,840,000 | 11,970,000 | 13,522,000 |
| Risk-weighted assets | 84,054,000 | 84,531,000 | 80,703,000 | 84,527,000 |