Call reports 2006
OAK CREEK VALLEY BANK — 2006
What OAK CREEK VALLEY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 43,975,000 | 45,861,000 | 47,023,000 | 44,724,000 |
| Total loans | 28,240,000 | 30,576,000 | 31,509,000 | 27,916,000 |
| Allowance for loan losses | 282,000 | 296,000 | 324,000 | 325,000 |
| Securities available for sale | 13,691,000 | 13,446,000 | 13,774,000 | 13,544,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,909,000 | 38,109,000 | 37,170,000 | 39,871,000 |
| Interest-bearing deposits | 33,971,000 | 35,417,000 | 34,572,000 | 35,975,000 |
| Noninterest-bearing deposits | 2,938,000 | 2,692,000 | 2,598,000 | 3,896,000 |
| Equity capital | 3,934,000 | 3,822,000 | 4,050,000 | 4,079,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 659,000 | 1,351,000 | 2,107,000 | 2,846,000 |
| Interest expense | 253,000 | 539,000 | 894,000 | 1,230,000 |
| Net interest income | 406,000 | 812,000 | 1,213,000 | 1,616,000 |
| Noninterest income | 25,000 | 109,000 | 127,000 | 157,000 |
| Noninterest expense | 188,000 | 514,000 | 792,000 | 1,147,000 |
| Provision for loan losses | 0 | 15,000 | 43,000 | 43,000 |
| Pretax income | 244,000 | 393,000 | 506,000 | 590,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 244,000 | 393,000 | 506,000 | 590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,066,000 | 4,029,000 | 4,143,000 | 4,097,000 |
| Total capital | 4,348,000 | 4,325,000 | 4,467,000 | 4,422,000 |
| Risk-weighted assets | 28,047,000 | 30,638,000 | 31,676,000 | 28,838,000 |
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