Call reports 2016
OJAI COMMUNITY BANK — 2016
What OJAI COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 220,782,000 | 238,968,000 | 260,588,000 | 256,911,000 |
| Total loans | 183,135,000 | 196,582,000 | 201,953,000 | 209,183,000 |
| Allowance for loan losses | 2,275,000 | 2,401,000 | 2,602,000 | 2,647,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,999,000 | 7,000,000 | 7,000,000 | 6,499,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,316,000 | 192,056,000 | 213,737,000 | 208,844,000 |
| Interest-bearing deposits | 104,787,000 | 119,199,000 | 134,587,000 | 130,651,000 |
| Noninterest-bearing deposits | 69,529,000 | 72,857,000 | 79,150,000 | 78,193,000 |
| Equity capital | 19,801,000 | 21,055,000 | 23,117,000 | 24,039,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,308,000 | 4,677,000 | 7,200,000 | 9,780,000 |
| Interest expense | 96,000 | 225,000 | 402,000 | 582,000 |
| Net interest income | 2,212,000 | 4,452,000 | 6,798,000 | 9,198,000 |
| Noninterest income | 161,000 | 322,000 | 492,000 | 717,000 |
| Noninterest expense | 1,731,000 | 3,440,000 | 5,169,000 | 6,880,000 |
| Provision for loan losses | 125,000 | 250,000 | 333,000 | 375,000 |
| Pretax income | 517,000 | 1,084,000 | 1,788,000 | 2,660,000 |
| Income tax | 207,000 | 431,000 | 712,000 | 1,060,000 |
| Net income | 310,000 | 653,000 | 1,076,000 | 1,600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,801,000 | 21,055,000 | 23,117,000 | 24,039,000 |
| Total capital | 22,106,000 | 23,486,000 | 25,718,000 | 26,697,000 |
| Risk-weighted assets | 185,272,000 | 199,055,000 | 208,053,000 | 212,629,000 |