Call reports 2015
OJAI COMMUNITY BANK — 2015
What OJAI COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 179,067,000 | 188,108,000 | 197,585,000 | 213,272,000 |
| Total loans | 138,295,000 | 147,479,000 | 160,082,000 | 176,421,000 |
| Allowance for loan losses | 1,674,000 | 1,792,000 | 1,951,000 | 2,111,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,993,000 | 6,994,000 | 6,993,000 | 6,999,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,856,000 | 154,780,000 | 164,738,000 | 177,615,000 |
| Interest-bearing deposits | 87,268,000 | 92,605,000 | 99,616,000 | 106,517,000 |
| Noninterest-bearing deposits | 67,588,000 | 62,175,000 | 65,122,000 | 71,098,000 |
| Equity capital | 16,026,000 | 18,001,000 | 18,239,000 | 19,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,702,000 | 3,529,000 | 5,487,000 | 7,656,000 |
| Interest expense | 48,000 | 96,000 | 159,000 | 230,000 |
| Net interest income | 1,654,000 | 3,433,000 | 5,328,000 | 7,426,000 |
| Noninterest income | 149,000 | 315,000 | 460,000 | 610,000 |
| Noninterest expense | 1,385,000 | 2,776,000 | 4,167,000 | 5,621,000 |
| Provision for loan losses | 84,000 | 200,000 | 343,000 | 546,000 |
| Pretax income | 334,000 | 772,000 | 1,278,000 | 1,869,000 |
| Income tax | 136,000 | 310,000 | 512,000 | 743,000 |
| Net income | 198,000 | 462,000 | 766,000 | 1,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,026,000 | 18,001,000 | 18,239,000 | 19,551,000 |
| Total capital | 17,730,000 | 19,823,000 | 20,220,000 | 21,692,000 |
| Risk-weighted assets | 148,911,000 | 158,026,000 | 165,712,000 | 178,189,000 |