Call reports 2008
WHITE OAK STATE BANK — 2008
What WHITE OAK STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 64,858,000 | 67,090,000 | 84,466,000 | 71,488,000 |
| Total loans | 56,843,000 | 58,029,000 | 59,519,000 | 59,965,000 |
| Allowance for loan losses | 345,000 | 444,000 | 442,000 | 546,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,572,000 | 57,826,000 | 74,264,000 | 61,285,000 |
| Interest-bearing deposits | 38,358,000 | 37,956,000 | 40,161,000 | 39,140,000 |
| Noninterest-bearing deposits | 18,214,000 | 19,870,000 | 34,103,000 | 22,145,000 |
| Equity capital | 4,082,000 | 4,144,000 | 4,841,000 | 4,775,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,174,000 | 2,319,000 | 3,544,000 | 4,697,000 |
| Interest expense | 370,000 | 714,000 | 1,055,000 | 1,382,000 |
| Net interest income | 804,000 | 1,605,000 | 2,489,000 | 3,315,000 |
| Noninterest income | 157,000 | 305,000 | 449,000 | 590,000 |
| Noninterest expense | 625,000 | 1,262,000 | 1,922,000 | 2,735,000 |
| Provision for loan losses | 100,000 | 200,000 | 200,000 | 300,000 |
| Pretax income | 236,000 | 448,000 | 816,000 | 870,000 |
| Income tax | 143,000 | 237,000 | 333,000 | 369,000 |
| Net income | 93,000 | 211,000 | 483,000 | 501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,082,000 | 4,144,000 | 4,841,000 | 4,775,000 |
| Total capital | 4,427,000 | 4,588,000 | 5,283,000 | 5,321,000 |
| Risk-weighted assets | 44,753,000 | 47,176,000 | 48,198,000 | 47,505,000 |
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