Call reports 2012
WHITE OAK STATE BANK — 2012
What WHITE OAK STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 84,634,000 | 78,147,000 | 77,040,000 | 96,706,000 |
| Total loans | 58,400,000 | 59,354,000 | 55,572,000 | 58,353,000 |
| Allowance for loan losses | 484,000 | 478,000 | 477,000 | 0 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,052,000 | 65,652,000 | 64,608,000 | 78,342,000 |
| Interest-bearing deposits | 40,933,000 | 38,424,000 | 35,667,000 | 36,838,000 |
| Noninterest-bearing deposits | 31,119,000 | 27,228,000 | 28,941,000 | 41,504,000 |
| Equity capital | 5,587,000 | 5,771,000 | 5,946,000 | 11,970,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,018,000 | 1,984,000 | 2,951,000 | 343,000 |
| Interest expense | 146,000 | 273,000 | 398,000 | 41,000 |
| Net interest income | 872,000 | 1,711,000 | 2,553,000 | 302,000 |
| Noninterest income | 117,000 | 239,000 | 362,000 | 44,000 |
| Noninterest expense | 653,000 | 1,255,000 | 1,879,000 | 247,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 336,000 | 695,000 | 1,036,000 | 99,000 |
| Income tax | 123,000 | 253,000 | 374,000 | -2,000 |
| Net income | 213,000 | 442,000 | 662,000 | 101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,587,000 | 5,771,000 | 5,946,000 | 5,653,000 |
| Total capital | 6,071,000 | 6,249,000 | 6,423,000 | 5,653,000 |
| Risk-weighted assets | 48,492,000 | 48,047,000 | 44,898,000 | 52,772,000 |