Call reports 2010
OAK CREEK VALLEY BANK — 2010
What OAK CREEK VALLEY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 55,718,000 | 58,583,000 | 58,607,000 | 60,259,000 |
| Total loans | 35,303,000 | 38,280,000 | 38,548,000 | 38,491,000 |
| Allowance for loan losses | 340,000 | 390,000 | 390,000 | 390,000 |
| Securities available for sale | 18,469,000 | 17,589,000 | 17,449,000 | 19,181,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,878,000 | 48,373,000 | 46,467,000 | 47,514,000 |
| Interest-bearing deposits | 41,539,000 | 43,226,000 | 42,591,000 | 41,964,000 |
| Noninterest-bearing deposits | 4,339,000 | 5,147,000 | 3,876,000 | 5,550,000 |
| Equity capital | 6,179,000 | 6,415,000 | 6,789,000 | 5,951,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 703,000 | 1,450,000 | 2,215,000 | 2,972,000 |
| Interest expense | 187,000 | 376,000 | 562,000 | 748,000 |
| Net interest income | 516,000 | 1,074,000 | 1,653,000 | 2,224,000 |
| Noninterest income | 38,000 | 147,000 | 178,000 | 245,000 |
| Noninterest expense | 245,000 | 610,000 | 857,000 | 1,338,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 50,000 |
| Pretax income | 309,000 | 561,000 | 924,000 | 1,078,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 309,000 | 561,000 | 924,000 | 1,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,653,000 | 5,635,000 | 5,998,000 | 5,976,000 |
| Total capital | 5,993,000 | 6,025,000 | 6,388,000 | 6,366,000 |
| Risk-weighted assets | 36,749,000 | 39,611,000 | 40,208,000 | 40,642,000 |