Call reports 2009
WHITE OAK STATE BANK — 2009
What WHITE OAK STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 77,200,000 | 79,490,000 | 77,318,000 | 76,290,000 |
| Total loans | 57,751,000 | 59,189,000 | 56,639,000 | 58,218,000 |
| Allowance for loan losses | 540,000 | 520,000 | 503,000 | 584,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,755,000 | 67,114,000 | 65,091,000 | 64,261,000 |
| Interest-bearing deposits | 43,751,000 | 41,181,000 | 45,972,000 | 46,629,000 |
| Noninterest-bearing deposits | 22,004,000 | 25,933,000 | 19,119,000 | 17,632,000 |
| Equity capital | 4,894,000 | 5,016,000 | 5,107,000 | 5,048,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,120,000 | 2,226,000 | 3,328,000 | 4,419,000 |
| Interest expense | 306,000 | 581,000 | 827,000 | 1,057,000 |
| Net interest income | 814,000 | 1,645,000 | 2,501,000 | 3,362,000 |
| Noninterest income | 147,000 | 287,000 | 424,000 | 571,000 |
| Noninterest expense | 697,000 | 1,372,000 | 2,048,000 | 2,840,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 264,000 | 560,000 | 877,000 | 993,000 |
| Income tax | 100,000 | 198,000 | 296,000 | 320,000 |
| Net income | 164,000 | 362,000 | 581,000 | 673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,894,000 | 5,016,000 | 5,107,000 | 5,048,000 |
| Total capital | 5,434,000 | 5,536,000 | 5,610,000 | 5,632,000 |
| Risk-weighted assets | 46,022,000 | 46,927,000 | 45,146,000 | 47,145,000 |
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