Call reports 2014
OJAI COMMUNITY BANK — 2014
What OJAI COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 147,919,000 | 154,202,000 | 154,060,000 | 165,496,000 |
| Total loans | 100,445,000 | 109,012,000 | 112,647,000 | 128,295,000 |
| Allowance for loan losses | 1,355,000 | 1,355,000 | 1,424,000 | 1,552,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,995,000 | 5,994,000 | 5,992,000 | 5,992,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,624,000 | 136,883,000 | 137,289,000 | 143,117,000 |
| Interest-bearing deposits | 89,713,000 | 90,714,000 | 90,617,000 | 88,264,000 |
| Noninterest-bearing deposits | 41,911,000 | 46,169,000 | 46,672,000 | 54,853,000 |
| Equity capital | 15,899,000 | 16,002,000 | 16,058,000 | 15,934,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,341,000 | 2,728,000 | 4,239,000 | 5,809,000 |
| Interest expense | 46,000 | 91,000 | 130,000 | 169,000 |
| Net interest income | 1,295,000 | 2,637,000 | 4,109,000 | 5,640,000 |
| Noninterest income | 95,000 | 227,000 | 364,000 | 520,000 |
| Noninterest expense | 1,188,000 | 2,341,000 | 3,589,000 | 5,033,000 |
| Provision for loan losses | 0 | 0 | 69,000 | 309,000 |
| Pretax income | 202,000 | 523,000 | 815,000 | 818,000 |
| Income tax | 80,000 | 210,000 | 327,000 | 326,000 |
| Net income | 122,000 | 313,000 | 488,000 | 492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,327,000 | 15,549,000 | 15,723,000 | 15,934,000 |
| Total capital | 16,701,000 | 16,923,000 | 17,177,000 | 17,516,000 |
| Risk-weighted assets | 113,021,000 | 120,334,000 | 124,715,000 | 138,558,000 |