Call reports 2004
WHITE OAK STATE BANK — 2004
What WHITE OAK STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 42,514,000 | 42,757,000 | 41,515,000 | 42,767,000 |
| Total loans | 28,583,000 | 29,408,000 | 29,808,000 | 30,505,000 |
| Allowance for loan losses | 160,000 | 150,000 | 147,000 | 141,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,090,000 | 37,335,000 | 35,810,000 | 36,746,000 |
| Interest-bearing deposits | 25,689,000 | 25,422,000 | 23,709,000 | 23,572,000 |
| Noninterest-bearing deposits | 11,401,000 | 11,913,000 | 12,101,000 | 13,174,000 |
| Equity capital | 2,610,000 | 2,622,000 | 2,645,000 | 2,614,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 568,000 | 1,148,000 | 1,742,000 | 2,332,000 |
| Interest expense | 103,000 | 199,000 | 293,000 | 390,000 |
| Net interest income | 465,000 | 949,000 | 1,449,000 | 1,942,000 |
| Noninterest income | 142,000 | 290,000 | 428,000 | 567,000 |
| Noninterest expense | 450,000 | 904,000 | 1,361,000 | 1,894,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 157,000 | 335,000 | 516,000 | 615,000 |
| Income tax | 53,000 | 114,000 | 171,000 | 209,000 |
| Net income | 104,000 | 221,000 | 345,000 | 406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,610,000 | 2,622,000 | 2,645,000 | 2,614,000 |
| Total capital | 2,770,000 | 2,772,000 | 2,792,000 | 2,755,000 |
| Risk-weighted assets | 26,582,000 | 27,256,000 | 26,853,000 | 27,465,000 |
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