Call reports 2013
OJAI COMMUNITY BANK — 2013
What OJAI COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 138,829,000 | 146,369,000 | 147,962,000 | 145,922,000 |
| Total loans | 75,414,000 | 86,114,000 | 92,106,000 | 96,777,000 |
| Allowance for loan losses | 1,360,000 | 1,356,000 | 1,355,000 | 1,355,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,019,000 | 6,004,000 | 5,996,000 | 4,994,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,028,000 | 130,332,000 | 131,530,000 | 129,704,000 |
| Interest-bearing deposits | 85,738,000 | 89,432,000 | 89,457,000 | 89,979,000 |
| Noninterest-bearing deposits | 37,290,000 | 40,900,000 | 42,073,000 | 39,725,000 |
| Equity capital | 15,503,000 | 15,586,000 | 15,839,000 | 15,876,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,094,000 | 2,309,000 | 3,613,000 | 4,923,000 |
| Interest expense | 63,000 | 125,000 | 184,000 | 238,000 |
| Net interest income | 1,031,000 | 2,184,000 | 3,429,000 | 4,685,000 |
| Noninterest income | 159,000 | 267,000 | 412,000 | 533,000 |
| Noninterest expense | 1,142,000 | 2,226,000 | 3,325,000 | 4,374,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 48,000 | 225,000 | 516,000 | 844,000 |
| Income tax | 22,000 | 97,000 | 219,000 | 346,000 |
| Net income | 26,000 | 128,000 | 297,000 | 498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,053,000 | 14,230,000 | 14,577,000 | 15,186,000 |
| Total capital | 15,179,000 | 15,460,000 | 15,870,000 | 16,539,000 |
| Risk-weighted assets | 89,824,000 | 98,248,000 | 103,372,000 | 108,257,000 |