Call reports 2013
OAK CREEK VALLEY BANK — 2013
What OAK CREEK VALLEY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 68,718,000 | 70,313,000 | 73,141,000 | 69,436,000 |
| Total loans | 38,856,000 | 41,707,000 | 44,723,000 | 41,508,000 |
| Allowance for loan losses | 390,000 | 390,000 | 410,000 | 410,000 |
| Securities available for sale | 28,473,000 | 26,069,000 | 25,796,000 | 24,510,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,277,000 | 56,292,000 | 55,619,000 | 56,476,000 |
| Interest-bearing deposits | 51,043,000 | 51,472,000 | 51,033,000 | 50,348,000 |
| Noninterest-bearing deposits | 5,234,000 | 4,820,000 | 4,586,000 | 6,128,000 |
| Equity capital | 8,245,000 | 6,970,000 | 7,390,000 | 7,187,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 760,000 | 1,551,000 | 2,374,000 | 3,163,000 |
| Interest expense | 111,000 | 216,000 | 325,000 | 429,000 |
| Net interest income | 649,000 | 1,335,000 | 2,049,000 | 2,734,000 |
| Noninterest income | 37,000 | 173,000 | 208,000 | 253,000 |
| Noninterest expense | 230,000 | 635,000 | 865,000 | 1,403,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 20,000 |
| Pretax income | 461,000 | 878,000 | 1,377,000 | 1,572,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 461,000 | 878,000 | 1,377,000 | 1,572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,672,000 | 7,738,000 | 8,238,000 | 8,233,000 |
| Total capital | 8,062,000 | 8,128,000 | 8,648,000 | 8,643,000 |
| Risk-weighted assets | 44,836,000 | 47,572,000 | 50,541,000 | 46,424,000 |