Call reports 2012
OAK BANK — 2012
What OAK 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 | 220,075,000 | 217,532,000 | 213,603,000 | 225,869,000 |
| Total loans | 163,147,000 | 162,792,000 | 156,298,000 | 161,591,000 |
| Allowance for loan losses | 3,993,000 | 4,220,000 | 3,464,000 | 3,517,000 |
| Securities available for sale | 19,852,000 | 19,331,000 | 20,709,000 | 20,982,000 |
| Securities held to maturity | 6,150,000 | 6,150,000 | 6,150,000 | 6,150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,265,000 | 190,952,000 | 186,662,000 | 198,779,000 |
| Interest-bearing deposits | 155,361,000 | 150,353,000 | 156,344,000 | 163,520,000 |
| Noninterest-bearing deposits | 38,904,000 | 40,599,000 | 30,318,000 | 35,259,000 |
| Equity capital | 22,699,000 | 23,300,000 | 23,867,000 | 23,844,000 |
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 | 2,372,000 | 4,696,000 | 6,986,000 | 9,281,000 |
| Interest expense | 508,000 | 950,000 | 1,337,000 | 1,637,000 |
| Net interest income | 1,864,000 | 3,746,000 | 5,649,000 | 7,644,000 |
| Noninterest income | 461,000 | 915,000 | 1,512,000 | 2,069,000 |
| Noninterest expense | 1,216,000 | 2,470,000 | 3,867,000 | 5,415,000 |
| Provision for loan losses | 445,000 | 670,000 | 1,015,000 | 1,240,000 |
| Pretax income | 664,000 | 1,521,000 | 2,279,000 | 3,058,000 |
| Income tax | 211,000 | 512,000 | 768,000 | 1,044,000 |
| Net income | 453,000 | 1,009,000 | 1,511,000 | 2,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,181,000 | 22,738,000 | 23,239,000 | 23,243,000 |
| Total capital | 24,290,000 | 24,829,000 | 25,247,000 | 25,338,000 |
| Risk-weighted assets | 166,995,000 | 165,139,000 | 159,180,000 | 166,203,000 |
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