Call reports 2015
OAK VIEW NATIONAL BANK — 2015
What OAK VIEW NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 171,304,000 | 179,826,000 | 172,755,000 | 179,637,000 |
| Total loans | 136,840,000 | 135,976,000 | 138,729,000 | 143,791,000 |
| Allowance for loan losses | 1,438,000 | 1,398,000 | 1,421,000 | 1,489,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,253,000 | 1,253,000 | 1,253,000 | 1,253,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,224,000 | 149,502,000 | 140,967,000 | 142,638,000 |
| Interest-bearing deposits | 117,745,000 | 124,332,000 | 114,310,000 | 115,101,000 |
| Noninterest-bearing deposits | 23,479,000 | 25,170,000 | 26,657,000 | 27,537,000 |
| Equity capital | 16,484,000 | 16,713,000 | 18,140,000 | 18,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,684,000 | 3,376,000 | 5,077,000 | 6,839,000 |
| Interest expense | 258,000 | 516,000 | 772,000 | 1,013,000 |
| Net interest income | 1,426,000 | 2,860,000 | 4,305,000 | 5,826,000 |
| Noninterest income | 101,000 | 219,000 | 357,000 | 499,000 |
| Noninterest expense | 1,265,000 | 2,510,000 | 3,803,000 | 5,115,000 |
| Provision for loan losses | -70,000 | -110,000 | -88,000 | -20,000 |
| Pretax income | 332,000 | 679,000 | 947,000 | 1,230,000 |
| Income tax | 113,000 | 231,000 | 322,000 | 407,000 |
| Net income | 219,000 | 448,000 | 625,000 | 823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,069,000 | 16,416,000 | 17,935,000 | 18,185,000 |
| Total capital | 17,487,000 | 17,814,000 | 19,356,000 | 19,674,000 |
| Risk-weighted assets | 113,446,000 | 118,504,000 | 120,729,000 | 123,356,000 |