Call reports 2006
WHITE OAK STATE BANK — 2006
What WHITE OAK STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 50,504,000 | 49,023,000 | 51,114,000 | 51,203,000 |
| Total loans | 34,439,000 | 35,915,000 | 38,354,000 | 39,885,000 |
| Allowance for loan losses | 152,000 | 213,000 | 211,000 | 203,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,215,000 | 41,824,000 | 43,962,000 | 44,069,000 |
| Interest-bearing deposits | 27,639,000 | 28,087,000 | 28,608,000 | 29,070,000 |
| Noninterest-bearing deposits | 15,576,000 | 13,737,000 | 15,354,000 | 14,999,000 |
| Equity capital | 3,177,000 | 3,221,000 | 3,219,000 | 3,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 803,000 | 1,635,000 | 2,491,000 | 3,394,000 |
| Interest expense | 185,000 | 401,000 | 641,000 | 895,000 |
| Net interest income | 618,000 | 1,234,000 | 1,850,000 | 2,499,000 |
| Noninterest income | 142,000 | 292,000 | 430,000 | 567,000 |
| Noninterest expense | 500,000 | 979,000 | 1,529,000 | 2,226,000 |
| Provision for loan losses | 25,000 | 100,000 | 125,000 | 125,000 |
| Pretax income | 235,000 | 447,000 | 626,000 | 715,000 |
| Income tax | 80,000 | 152,000 | 213,000 | 243,000 |
| Net income | 155,000 | 295,000 | 413,000 | 472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,177,000 | 3,221,000 | 3,219,000 | 3,263,000 |
| Total capital | 3,329,000 | 3,434,000 | 3,430,000 | 3,466,000 |
| Risk-weighted assets | 31,186,000 | 32,093,000 | 34,519,000 | 33,769,000 |
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