Call reports 2012
OJAI COMMUNITY BANK — 2012
What OJAI COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 130,998,000 | 132,891,000 | 135,843,000 | 134,449,000 |
| Total loans | 74,543,000 | 72,992,000 | 74,275,000 | 74,414,000 |
| Allowance for loan losses | 1,431,000 | 1,385,000 | 1,386,000 | 1,364,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,017,000 | 4,014,000 | 6,029,000 | 6,023,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,623,000 | 118,320,000 | 120,968,000 | 118,702,000 |
| Interest-bearing deposits | 82,135,000 | 83,978,000 | 83,429,000 | 82,967,000 |
| Noninterest-bearing deposits | 34,488,000 | 34,342,000 | 37,539,000 | 35,735,000 |
| Equity capital | 14,173,000 | 14,435,000 | 14,712,000 | 15,495,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,273,000 | 2,530,000 | 3,767,000 | 4,970,000 |
| Interest expense | 106,000 | 205,000 | 289,000 | 352,000 |
| Net interest income | 1,167,000 | 2,325,000 | 3,478,000 | 4,618,000 |
| Noninterest income | 115,000 | 247,000 | 363,000 | 484,000 |
| Noninterest expense | 1,032,000 | 2,039,000 | 3,013,000 | 4,329,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 250,000 | 533,000 | 828,000 | 773,000 |
| Income tax | 0 | 1,000 | 1,000 | -803,000 |
| Net income | 250,000 | 532,000 | 827,000 | 1,576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,820,000 | 13,160,000 | 13,514,000 | 13,951,000 |
| Total capital | 13,882,000 | 14,216,000 | 14,580,000 | 15,021,000 |
| Risk-weighted assets | 84,605,000 | 84,153,000 | 84,921,000 | 85,275,000 |