Call reports 2004
OAK CREEK VALLEY BANK — 2004
What OAK CREEK VALLEY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 43,259,000 | 42,690,000 | 44,192,000 | 42,107,000 |
| Total loans | 24,006,000 | 24,815,000 | 25,463,000 | 24,870,000 |
| Allowance for loan losses | 270,000 | 270,000 | 270,000 | 270,000 |
| Securities available for sale | 17,206,000 | 16,633,000 | 16,186,000 | 14,820,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,963,000 | 34,844,000 | 34,704,000 | 36,469,000 |
| Interest-bearing deposits | 34,441,000 | 32,396,000 | 32,140,000 | 32,982,000 |
| Noninterest-bearing deposits | 2,522,000 | 2,448,000 | 2,564,000 | 3,487,000 |
| Equity capital | 3,717,000 | 3,614,000 | 3,750,000 | 3,701,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 552,000 | 1,117,000 | 1,712,000 | 2,291,000 |
| Interest expense | 181,000 | 357,000 | 543,000 | 725,000 |
| Net interest income | 371,000 | 760,000 | 1,169,000 | 1,566,000 |
| Noninterest income | 27,000 | 104,000 | 131,000 | 156,000 |
| Noninterest expense | 192,000 | 471,000 | 713,000 | 979,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 206,000 | 393,000 | 587,000 | 743,000 |
| Income tax | 4,000 | 0 | 0 | 17,000 |
| Net income | 202,000 | 393,000 | 587,000 | 726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,322,000 | 3,513,000 | 3,557,000 | 3,511,000 |
| Total capital | 3,592,000 | 3,783,000 | 3,827,000 | 3,781,000 |
| Risk-weighted assets | 25,483,000 | 25,997,000 | 26,983,000 | 25,776,000 |
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