Call reports 2011
WHITE OAK STATE BANK — 2011
What WHITE OAK STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 82,492,000 | 90,154,000 | 80,995,000 | 104,737,000 |
| Total loans | 58,451,000 | 59,319,000 | 59,036,000 | 60,597,000 |
| Allowance for loan losses | 504,000 | 492,000 | 487,000 | 484,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,750,000 | 77,249,000 | 68,000,000 | 92,200,000 |
| Interest-bearing deposits | 43,841,000 | 45,538,000 | 40,425,000 | 39,556,000 |
| Noninterest-bearing deposits | 25,909,000 | 31,711,000 | 27,575,000 | 52,644,000 |
| Equity capital | 5,366,000 | 5,522,000 | 5,691,000 | 5,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,039,000 | 2,072,000 | 3,131,000 | 4,128,000 |
| Interest expense | 191,000 | 376,000 | 529,000 | 666,000 |
| Net interest income | 848,000 | 1,696,000 | 2,602,000 | 3,462,000 |
| Noninterest income | 127,000 | 254,000 | 383,000 | 513,000 |
| Noninterest expense | 652,000 | 1,322,000 | 1,996,000 | 2,772,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 323,000 | 628,000 | 989,000 | 1,203,000 |
| Income tax | 120,000 | 229,000 | 347,000 | 439,000 |
| Net income | 203,000 | 399,000 | 642,000 | 764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,366,000 | 5,522,000 | 5,691,000 | 5,414,000 |
| Total capital | 5,870,000 | 6,015,000 | 6,178,000 | 5,898,000 |
| Risk-weighted assets | 45,723,000 | 47,955,000 | 47,726,000 | 54,171,000 |