Call reports 2007
OAK CREEK VALLEY BANK — 2007
What OAK CREEK VALLEY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 46,083,000 | 48,351,000 | 50,863,000 | 47,119,000 |
| Total loans | 30,295,000 | 32,189,000 | 34,961,000 | 29,418,000 |
| Allowance for loan losses | 325,000 | 325,000 | 325,000 | 325,000 |
| Securities available for sale | 13,655,000 | 13,720,000 | 13,982,000 | 15,514,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,015,000 | 40,810,000 | 40,514,000 | 42,330,000 |
| Interest-bearing deposits | 36,228,000 | 37,695,000 | 37,830,000 | 38,505,000 |
| Noninterest-bearing deposits | 2,787,000 | 3,115,000 | 2,684,000 | 3,825,000 |
| Equity capital | 4,302,000 | 4,240,000 | 4,519,000 | 4,616,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 710,000 | 1,480,000 | 2,288,000 | 3,066,000 |
| Interest expense | 333,000 | 701,000 | 1,105,000 | 1,473,000 |
| Net interest income | 377,000 | 779,000 | 1,183,000 | 1,593,000 |
| Noninterest income | 24,000 | 109,000 | 127,000 | 162,000 |
| Noninterest expense | 194,000 | 511,000 | 713,000 | 1,082,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 207,000 | 377,000 | 597,000 | 673,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 207,000 | 377,000 | 597,000 | 673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,304,000 | 4,319,000 | 4,539,000 | 4,524,000 |
| Total capital | 4,629,000 | 4,644,000 | 4,864,000 | 4,849,000 |
| Risk-weighted assets | 30,145,000 | 32,445,000 | 34,998,000 | 29,679,000 |