Call reports 2017
OJAI COMMUNITY BANK — 2017
What OJAI COMMUNITY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 |
|---|---|---|---|
| Total assets | 269,442,000 | 275,292,000 | 275,000,000 |
| Total loans | 214,281,000 | 209,566,000 | 223,047,000 |
| Allowance for loan losses | 2,751,000 | 2,825,000 | 2,825,000 |
| Securities available for sale | 0 | 0 | 0 |
| Securities held to maturity | 6,500,000 | 6,500,000 | 5,500,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 221,993,000 | 229,906,000 | 231,884,000 |
| Interest-bearing deposits | 137,361,000 | 139,491,000 | 139,929,000 |
| Noninterest-bearing deposits | 84,632,000 | 90,415,000 | 91,955,000 |
| Equity capital | 24,392,000 | 24,842,000 | 25,496,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 |
|---|---|---|---|
| Interest income | 2,689,000 | 5,415,000 | 8,252,000 |
| Interest expense | 185,000 | 374,000 | 578,000 |
| Net interest income | 2,504,000 | 5,041,000 | 7,674,000 |
| Noninterest income | 275,000 | 502,000 | 673,000 |
| Noninterest expense | 1,890,000 | 3,778,000 | 6,200,000 |
| Provision for loan losses | 105,000 | 140,000 | 140,000 |
| Pretax income | 784,000 | 1,625,000 | 2,007,000 |
| Income tax | 328,000 | 668,000 | 819,000 |
| Net income | 456,000 | 957,000 | 1,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 |
|---|---|---|---|
| Tier 1 capital | 24,392,000 | 24,842,000 | 25,496,000 |
| Total capital | 27,160,000 | 27,621,000 | 28,351,000 |
| Risk-weighted assets | 221,458,000 | 222,230,000 | 234,773,000 |