Call reports 2005
WHITE OAK STATE BANK — 2005
What WHITE OAK STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 44,261,000 | 46,352,000 | 48,351,000 | 48,727,000 |
| Total loans | 31,292,000 | 33,764,000 | 35,058,000 | 34,471,000 |
| Allowance for loan losses | 141,000 | 136,000 | 132,000 | 128,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,136,000 | 39,674,000 | 41,367,000 | 41,638,000 |
| Interest-bearing deposits | 26,226,000 | 26,221,000 | 26,490,000 | 25,677,000 |
| Noninterest-bearing deposits | 11,910,000 | 13,453,000 | 14,877,000 | 15,961,000 |
| Equity capital | 2,678,000 | 3,050,000 | 3,107,000 | 3,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 637,000 | 1,320,000 | 2,065,000 | 2,800,000 |
| Interest expense | 114,000 | 254,000 | 410,000 | 573,000 |
| Net interest income | 523,000 | 1,066,000 | 1,655,000 | 2,227,000 |
| Noninterest income | 170,000 | 315,000 | 461,000 | 606,000 |
| Noninterest expense | 460,000 | 941,000 | 1,462,000 | 2,066,000 |
| Provision for loan losses | 23,000 | 23,000 | 23,000 | 23,000 |
| Pretax income | 210,000 | 417,000 | 631,000 | 744,000 |
| Income tax | 72,000 | 142,000 | 209,000 | 253,000 |
| Net income | 138,000 | 275,000 | 422,000 | 491,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,678,000 | 3,050,000 | 3,107,000 | 3,158,000 |
| Total capital | 2,819,000 | 3,186,000 | 3,239,000 | 3,286,000 |
| Risk-weighted assets | 28,326,000 | 30,325,000 | 31,673,000 | 30,930,000 |
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