# OJAI COMMUNITY BANK
OJAI, CA · FDIC certificate 57850 · asset band <$300M · latest filing 2017-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $275.0M | |
| Deposits | $231.9M | |
| Loans and leases | $223.0M | |
| Total equity | $25.5M | |
| Loans / deposits | 94.97% (p84 of band) | 76.19% |
| Liquid assets / assets | 15.41% (p16 of band) | |
| Uninsured deposits / deposits | 31.23% (p92 of band) | 14.99% |
| Brokered deposits | 1.83% | |
| Wholesale funding | 7.83% (p75 of band) | |
| FHLB advances / assets | 6.00% | |
| Tier 1 leverage | 9.11% (p17 of band) | 11.02% |
| Unrealized securities loss / equity | -0.02% (p41 of band) | 0.02% |
| AOCI / equity | 0.00% (p13 of band) | |
| ROA (annualized) | 0.59% (p27 of band) | 0.90% |
| Net interest margin | 4.10% (p73 of band) | 3.71% |
| Efficiency ratio | 74.28% (p60 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.62% |
| Net charge-offs (annualized) | -0.02% (p13 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 87% | |
| Construction % of loans | 43.69% (p76 of band) | |
| Auto loans | $113,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.5% | |
| Employees | 46 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 | charge-offs p90 | noncurrent p90 |
| 2011-09 | 1 |  | charge-offs p90 |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2012-06 | 0 |  | charge-offs p90 |
| 2012-09 | 0 |  |  |
| 2012-12 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 0 |  | reserve under noncurrent, capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | loans exceed deposits |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | loans exceed deposits |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2017-09-30 [Ojai Community Bank acquisition completed - Ventura County Star](https://news.google.com/rss/articles/CBMiqwFBVV95cUxORS1Vb3Q1ZjA5c1BkalpVMWFqNW1WOVJtbDZ1aU10SnJibGNueGZsbTYzOE5fLXBYRk1WMjBxbE1Dc0VsX1hobEdOYTB0dmRPUDMyQVBvd0hpTDFFaHU1Z05xTGgwQ1BVaGU3UGxUdU9MZFZaWXIyQlJZZEYwSm9leVBBQzJXR1FLVEY5c3N6cWd0X3V5WndWeVFUSnFhVTBGdkVIV3hOZmthUjA?oc=5) · Ventura County Star
- 2010-01-22 [George Tabata joins the loan team at Ojai Community Bank - Santa Paula Times](https://news.google.com/rss/articles/CBMivgFBVV95cUxOcHV1YVQ1bU1WQnh2bmFYcldjUzEzTTRLUzd1ekx1bmI3UnhFZjZocjlWVmR0endhWUhnSGljSUNGOTNEWlRibmo0V0lFVXhkTmVac1lGNnZrSGpBMjB1aWFrczFWYzdMR3dWVVh0blNabWx5emFXOTNyOFNWM2hjMnpsRlRQbGpzcmxrR2VBbHNZMnhMX2lUaFZ0ZWszWlE3NzVwMnhLLWdTZExNQkZKNktGNEZnWXRmUXZhQVpB?oc=5) · Santa Paula Times
- 2015-10-15 [Citizens Business Bank to buy Ventura lender - Los Angeles Times](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNU3N0N3ZzcTZuajdHWVM5Ul9jSS12d0F1S0kwSlhJd1FWWXRnX2tlMHhTb2pvV2lLTWZkMkM1c2pja2pCVXNETVBDeDk0MzNBOEc2aE1KZW5MSVBjUlpmZUoyOGNLZmZ2RmI2Q2RXVGtwM2pnUml0OFlCSkRudHEycXRGZU9MVUlU?oc=5) · Los Angeles Times
- 2008-07-16 [Ojai Community Bank acquires local branches of Santa Barbara Bank & Trust - Santa Paula Times](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNOFJXakJGQ0t3YWE3U2huNkZUbkRkUERJaVU2RHFWc2VKOFhucW5kOWNyYUhiNUU2QzNtZ2xyZE5LeTU3Y1JjbHI5OUt4dXVHbGY2VzNKTU5Dejc3VkRsRUtpUU9td3FCVnkwZGk1MDZpM241T3JxeGtrM2V2RF93dWpzVVZPMGt1RVBOcjZZcXNldGZuMXJTa2J1S3lIX3JwTmgtS1VScW9jMUlXc1lFWDhhM2VjaGktc19aWV9hYURaMUpfUmhwS2g1UHBMQU8zZU5jRQ?oc=5) · Santa Paula Times
- 2016-10-19 [OCB Bancorp reaches local milestone - Ventura County Star](https://news.google.com/rss/articles/CBMiogFBVV95cUxQVUl0SWs5MnRvSGlBYk1iYk5ydUpFUTE0NkkyZjJEX3hYeWhLUWxOaE5ZR2NGUFlzUlBqTE1vWkZuYUxFdjE5TkZKNU5lbERCb0RORTJuaVVadWFlRjdtbzV6NHcxaVJWWlpCTERGclExbTlLOGZVRDc1V1hDR2x6S1RUWWJaVnc1SG5ZMmhTOEFJNUktY2V1QUhQMVFyanBsdlE?oc=5) · Ventura County Star
- 2021-10-07 [Wayne Ortman Obituary (1956 - 2011) - Ojai, CA - Ventura County Star - Legacy obituary](https://news.google.com/rss/articles/CBMimAFBVV95cUxOM1RZY3J6VkpNa25SczlEcDNjdFJtaWZGUk91aWVfTHJVZUNES21pV1hVc1pqa2dOQm9pcGpWMFE0R2Jwc2lJYjlKc0tYcXNtd0NvMVJRVXJCTkswUklXb3JmajZsSWQtR0dBLXZ2SmVqcS1WQVhCRFpjeHBjaUFsRDNPWm9janM1emFMV2Vucm1XODVLcmI0LQ?oc=5) · Legacy obituary
- 2007-03-25 [Mark Ditchfield Obituary (1954 - 2007) - Ojai, CA - Ventura County Star - Legacy obituary](https://news.google.com/rss/articles/CBMinAFBVV95cUxOM2hhY1pleU1Rd3ZaX1RoOUh6aW1pMWtLZUpxdTRMbUU4T0c4cS1wMU9YdzJsRlBTUVc5aFZFdjQ1WXFxSVkzUFZZVGdOV2psaDI4S3lTMFN5Y0tHZUZ0aWZsZE85YmVXYVo1UVhucFdJbzJJSzNzVk1heVliM1huZms1SlpVeUhSdi1sRXM2NmE5eUtjOFlsUHB6VWI?oc=5) · Legacy obituary
- 2017-08-01 [Boys & Girls Clubs of Greater Oxnard and Port Hueneme installs board - Ventura County Star](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPX3lzZXVNWlpxYVJoNEZSYzg3ODlUWEIyVzR4UWpnbzZNd2ZOQW45OE5QNWN1eVZBdF9fcVVkd01lYU03dEtFV0loV0NMbVU2UGdmSVdEenoxM2NKQXVBem9VeW1XOW1yc1lVNU5NQmY3cTlZTVZ4TzAxWjdWUmJYWFJUTVdrOGxUa1lUbXpKV3VrUGNjbjRnWUE1QVJRWDg0cFVHWmFOc1RPMjJlUldHWWNWeHBDXzJPelRUQ3N6eHpJREY3cU5uUA?oc=5) · Ventura County Star

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57850 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/58.json (key "57850", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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