Call reports 2003
WHITE OAK STATE BANK — 2003
What WHITE OAK STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 36,465,000 | 38,072,000 | 39,253,000 | 41,744,000 |
| Total loans | 24,250,000 | 25,537,000 | 26,968,000 | 26,437,000 |
| Allowance for loan losses | 165,000 | 165,000 | 165,000 | 162,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,616,000 | 34,243,000 | 34,434,000 | 36,303,000 |
| Interest-bearing deposits | 24,308,000 | 25,848,000 | 24,907,000 | 25,072,000 |
| Noninterest-bearing deposits | 8,308,000 | 8,395,000 | 9,527,000 | 11,231,000 |
| Equity capital | 2,312,000 | 2,309,000 | 2,364,000 | 2,605,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 544,000 | 1,100,000 | 1,667,000 | 2,229,000 |
| Interest expense | 136,000 | 253,000 | 365,000 | 472,000 |
| Net interest income | 408,000 | 847,000 | 1,302,000 | 1,757,000 |
| Noninterest income | 125,000 | 262,000 | 401,000 | 530,000 |
| Noninterest expense | 427,000 | 872,000 | 1,303,000 | 1,766,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 106,000 | 237,000 | 400,000 | 521,000 |
| Income tax | 36,000 | 80,000 | 132,000 | 177,000 |
| Net income | 70,000 | 157,000 | 268,000 | 344,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,312,000 | 2,309,000 | 2,364,000 | 2,605,000 |
| Total capital | 2,477,000 | 2,474,000 | 2,529,000 | 2,767,000 |
| Risk-weighted assets | 23,473,000 | 24,557,000 | 25,642,000 | 24,949,000 |
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