Call reports 2016
OAK CREEK VALLEY BANK — 2016
What OAK CREEK VALLEY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 78,611,000 | 80,688,000 | 84,429,000 | 81,244,000 |
| Total loans | 48,683,000 | 49,987,000 | 52,503,000 | 49,483,000 |
| Allowance for loan losses | 200,000 | 260,000 | 320,000 | 380,000 |
| Securities available for sale | 22,753,000 | 24,135,000 | 24,834,000 | 24,405,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,166,000 | 62,477,000 | 61,525,000 | 61,313,000 |
| Interest-bearing deposits | 57,138,000 | 56,032,000 | 56,877,000 | 55,426,000 |
| Noninterest-bearing deposits | 7,028,000 | 6,445,000 | 4,648,000 | 5,887,000 |
| Equity capital | 12,188,000 | 12,761,000 | 12,955,000 | 12,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 770,000 | 1,565,000 | 2,421,000 | 3,260,000 |
| Interest expense | 104,000 | 203,000 | 314,000 | 422,000 |
| Net interest income | 666,000 | 1,362,000 | 2,107,000 | 2,838,000 |
| Noninterest income | 31,000 | 174,000 | 200,000 | 240,000 |
| Noninterest expense | 442,000 | 893,000 | 1,311,000 | 1,712,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 195,000 | 523,000 | 816,000 | 1,126,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 195,000 | 523,000 | 816,000 | 1,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,909,000 | 8,277,000 | 8,604,000 | 8,950,000 |
| Total capital | 8,109,000 | 8,537,000 | 8,924,000 | 9,330,000 |
| Risk-weighted assets | 58,085,000 | 58,773,000 | 61,885,000 | 59,937,000 |