Call reports 2003
OAK CREEK VALLEY BANK — 2003
What OAK CREEK VALLEY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 39,910,000 | 40,840,000 | 41,579,000 | 40,801,000 |
| Total loans | 24,381,000 | 22,979,000 | 24,106,000 | 22,625,000 |
| Allowance for loan losses | 271,000 | 271,000 | 271,000 | 270,000 |
| Securities available for sale | 12,199,000 | 12,263,000 | 15,788,000 | 16,531,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,384,000 | 36,489,000 | 35,546,000 | 36,244,000 |
| Interest-bearing deposits | 30,995,000 | 34,229,000 | 33,195,000 | 33,962,000 |
| Noninterest-bearing deposits | 2,389,000 | 2,260,000 | 2,351,000 | 2,282,000 |
| Equity capital | 5,640,000 | 3,452,000 | 3,569,000 | 3,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 571,000 | 1,126,000 | 1,688,000 | 2,237,000 |
| Interest expense | 203,000 | 394,000 | 585,000 | 770,000 |
| Net interest income | 368,000 | 732,000 | 1,103,000 | 1,467,000 |
| Noninterest income | 31,000 | 122,000 | 156,000 | 179,000 |
| Noninterest expense | 176,000 | 452,000 | 622,000 | 947,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 224,000 | 403,000 | 638,000 | 708,000 |
| Income tax | 111,000 | 115,000 | 118,000 | 123,000 |
| Net income | 113,000 | 288,000 | 520,000 | 585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,433,000 | 3,023,000 | 3,254,000 | 3,120,000 |
| Total capital | 5,704,000 | 3,294,000 | 3,525,000 | 3,390,000 |
| Risk-weighted assets | 24,692,000 | 24,210,000 | 25,385,000 | 24,012,000 |
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