Call reports 2009
OAK CREEK VALLEY BANK — 2009
What OAK CREEK VALLEY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 51,591,000 | 53,920,000 | 55,933,000 | 54,681,000 |
| Total loans | 32,931,000 | 34,041,000 | 35,008,000 | 33,844,000 |
| Allowance for loan losses | 330,000 | 330,000 | 330,000 | 340,000 |
| Securities available for sale | 14,398,000 | 17,388,000 | 18,367,000 | 18,474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,884,000 | 47,112,000 | 44,100,000 | 44,166,000 |
| Interest-bearing deposits | 41,382,000 | 43,464,000 | 40,512,000 | 40,105,000 |
| Noninterest-bearing deposits | 3,502,000 | 3,648,000 | 3,588,000 | 4,061,000 |
| Equity capital | 5,011,000 | 5,021,000 | 6,162,000 | 5,940,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 673,000 | 1,346,000 | 2,059,000 | 2,780,000 |
| Interest expense | 239,000 | 463,000 | 674,000 | 875,000 |
| Net interest income | 434,000 | 883,000 | 1,385,000 | 1,905,000 |
| Noninterest income | 27,000 | 136,000 | 170,000 | 203,000 |
| Noninterest expense | 241,000 | 618,000 | 847,000 | 1,256,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 221,000 | 402,000 | 710,000 | 844,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 221,000 | 402,000 | 710,000 | 844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,092,000 | 5,002,000 | 5,310,000 | 5,343,000 |
| Total capital | 5,422,000 | 5,332,000 | 5,640,000 | 5,683,000 |
| Risk-weighted assets | 34,104,000 | 35,061,000 | 36,518,000 | 35,448,000 |