Call reports 2015
OAK CREEK VALLEY BANK — 2015
What OAK CREEK VALLEY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 71,367,000 | 79,910,000 | 82,273,000 | 79,807,000 |
| Total loans | 46,389,000 | 48,626,000 | 51,162,000 | 45,734,000 |
| Allowance for loan losses | 410,000 | 20,000 | 80,000 | 140,000 |
| Securities available for sale | 23,734,000 | 23,573,000 | 24,091,000 | 22,616,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,154,000 | 63,287,000 | 61,370,000 | 65,997,000 |
| Interest-bearing deposits | 51,936,000 | 58,634,000 | 56,828,000 | 59,622,000 |
| Noninterest-bearing deposits | 5,218,000 | 4,653,000 | 4,542,000 | 6,375,000 |
| Equity capital | 10,269,000 | 11,558,000 | 12,111,000 | 12,431,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 764,000 | 258,000 | 1,086,000 | 1,889,000 |
| Interest expense | 101,000 | 32,000 | 142,000 | 251,000 |
| Net interest income | 663,000 | 226,000 | 944,000 | 1,638,000 |
| Noninterest income | 41,000 | 11,000 | 37,000 | 78,000 |
| Noninterest expense | 237,000 | 113,000 | 555,000 | 1,063,000 |
| Provision for loan losses | 0 | 20,000 | 80,000 | 140,000 |
| Pretax income | 469,000 | 104,000 | 346,000 | 514,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 469,000 | 104,000 | 346,000 | 514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,716,000 | 7,968,000 | 8,237,000 | 8,432,000 |
| Total capital | 10,126,000 | 7,988,000 | 8,317,000 | 8,572,000 |
| Risk-weighted assets | 48,834,000 | 52,804,000 | 59,545,000 | 55,604,000 |