Call reports 2008
OAK CREEK VALLEY BANK — 2008
What OAK CREEK VALLEY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 49,799,000 | 52,573,000 | 51,839,000 | 51,784,000 |
| Total loans | 29,015,000 | 33,367,000 | 33,106,000 | 32,989,000 |
| Allowance for loan losses | 325,000 | 325,000 | 324,000 | 330,000 |
| Securities available for sale | 16,662,000 | 17,068,000 | 16,529,000 | 15,711,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,284,000 | 46,153,000 | 41,737,000 | 43,077,000 |
| Interest-bearing deposits | 38,573,000 | 42,323,000 | 37,782,000 | 38,889,000 |
| Noninterest-bearing deposits | 4,711,000 | 3,830,000 | 3,955,000 | 4,188,000 |
| Equity capital | 4,763,000 | 4,630,000 | 4,284,000 | 4,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 715,000 | 1,451,000 | 2,205,000 | 2,930,000 |
| Interest expense | 338,000 | 626,000 | 913,000 | 1,183,000 |
| Net interest income | 377,000 | 825,000 | 1,292,000 | 1,747,000 |
| Noninterest income | 35,000 | 129,000 | 151,000 | 184,000 |
| Noninterest expense | 207,000 | 530,000 | 743,000 | 1,087,000 |
| Provision for loan losses | 0 | 0 | 40,000 | 90,000 |
| Pretax income | 207,000 | 425,000 | 527,000 | 616,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 207,000 | 425,000 | 527,000 | 616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,731,000 | 4,682,000 | 4,781,000 | 4,870,000 |
| Total capital | 5,056,000 | 5,007,000 | 5,105,000 | 5,200,000 |
| Risk-weighted assets | 30,579,000 | 34,282,000 | 34,225,000 | 34,307,000 |