Call reports 2010
WHITE OAK STATE BANK — 2010
What WHITE OAK STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 77,005,000 | 76,763,000 | 76,644,000 | 78,388,000 |
| Total loans | 57,018,000 | 57,727,000 | 58,065,000 | 58,605,000 |
| Allowance for loan losses | 579,000 | 478,000 | 478,000 | 499,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,854,000 | 64,168,000 | 63,725,000 | 65,707,000 |
| Interest-bearing deposits | 46,657,000 | 45,073,000 | 42,651,000 | 45,604,000 |
| Noninterest-bearing deposits | 18,198,000 | 19,095,000 | 21,074,000 | 20,103,000 |
| Equity capital | 5,164,000 | 5,289,000 | 5,430,000 | 5,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,029,000 | 2,077,000 | 3,123,000 | 4,170,000 |
| Interest expense | 226,000 | 439,000 | 645,000 | 848,000 |
| Net interest income | 803,000 | 1,638,000 | 2,478,000 | 3,322,000 |
| Noninterest income | 139,000 | 284,000 | 429,000 | 558,000 |
| Noninterest expense | 638,000 | 1,329,000 | 1,980,000 | 2,739,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 304,000 | 593,000 | 927,000 | 1,141,000 |
| Income tax | 113,000 | 202,000 | 320,000 | 399,000 |
| Net income | 191,000 | 391,000 | 607,000 | 742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,164,000 | 5,289,000 | 5,430,000 | 5,204,000 |
| Total capital | 5,743,000 | 5,767,000 | 5,908,000 | 5,703,000 |
| Risk-weighted assets | 46,673,000 | 47,193,000 | 47,429,000 | 47,436,000 |
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