Call reports 2012
OAK CREEK VALLEY BANK — 2012
What OAK CREEK VALLEY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 65,203,000 | 65,489,000 | 65,123,000 | 67,337,000 |
| Total loans | 37,897,000 | 37,728,000 | 36,158,000 | 37,453,000 |
| Allowance for loan losses | 390,000 | 390,000 | 390,000 | 390,000 |
| Securities available for sale | 22,649,000 | 24,056,000 | 27,269,000 | 27,877,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,811,000 | 54,339,000 | 53,182,000 | 55,195,000 |
| Interest-bearing deposits | 48,034,000 | 48,918,000 | 48,719,000 | 50,134,000 |
| Noninterest-bearing deposits | 5,777,000 | 5,421,000 | 4,463,000 | 5,061,000 |
| Equity capital | 8,093,000 | 7,887,000 | 8,388,000 | 7,958,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 742,000 | 1,477,000 | 2,231,000 | 2,983,000 |
| Interest expense | 136,000 | 259,000 | 384,000 | 506,000 |
| Net interest income | 606,000 | 1,218,000 | 1,847,000 | 2,477,000 |
| Noninterest income | 51,000 | 183,000 | 225,000 | 288,000 |
| Noninterest expense | 221,000 | 589,000 | 850,000 | 1,372,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 436,000 | 813,000 | 1,223,000 | 1,395,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 436,000 | 813,000 | 1,223,000 | 1,395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,183,000 | 7,210,000 | 7,620,000 | 7,211,000 |
| Total capital | 7,573,000 | 7,600,000 | 8,010,000 | 7,601,000 |
| Risk-weighted assets | 42,980,000 | 42,714,000 | 42,101,000 | 43,304,000 |