Call reports 2014
OAK CREEK VALLEY BANK — 2014
What OAK CREEK VALLEY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 73,073,000 | 72,707,000 | 75,385,000 | 71,657,000 |
| Total loans | 44,457,000 | 46,179,000 | 48,264,000 | 44,183,000 |
| Allowance for loan losses | 410,000 | 410,000 | 410,000 | 410,000 |
| Securities available for sale | 25,659,000 | 24,902,000 | 24,872,000 | 24,474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,994,000 | 59,134,000 | 56,339,000 | 58,367,000 |
| Interest-bearing deposits | 52,946,000 | 53,897,000 | 51,328,000 | 52,457,000 |
| Noninterest-bearing deposits | 6,048,000 | 5,237,000 | 5,011,000 | 5,910,000 |
| Equity capital | 8,231,000 | 8,968,000 | 9,639,000 | 9,772,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 777,000 | 1,584,000 | 2,408,000 | 3,202,000 |
| Interest expense | 101,000 | 203,000 | 311,000 | 415,000 |
| Net interest income | 676,000 | 1,381,000 | 2,097,000 | 2,787,000 |
| Noninterest income | 41,000 | 165,000 | 194,000 | 240,000 |
| Noninterest expense | 246,000 | 642,000 | 889,000 | 1,405,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 511,000 | 945,000 | 1,443,000 | 1,673,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 511,000 | 945,000 | 1,443,000 | 1,673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,744,000 | 8,804,000 | 9,301,000 | 9,247,000 |
| Total capital | 9,154,000 | 9,214,000 | 9,711,000 | 9,657,000 |
| Risk-weighted assets | 48,805,000 | 49,461,000 | 52,064,000 | 47,761,000 |