Call reports 2015
OAK BANK — 2015
What OAK 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 | 242,114,000 | 275,548,000 | 250,091,000 | 255,782,000 |
| Total loans | 196,070,000 | 194,229,000 | 201,522,000 | 198,679,000 |
| Allowance for loan losses | 4,103,000 | 4,180,000 | 4,213,000 | 4,286,000 |
| Securities available for sale | 23,233,000 | 23,886,000 | 24,159,000 | 24,101,000 |
| Securities held to maturity | 6,150,000 | 6,150,000 | 6,150,000 | 6,150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,113,000 | 237,043,000 | 210,685,000 | 215,994,000 |
| Interest-bearing deposits | 157,132,000 | 191,995,000 | 159,237,000 | 156,499,000 |
| Noninterest-bearing deposits | 46,981,000 | 45,048,000 | 51,448,000 | 59,495,000 |
| Equity capital | 27,008,000 | 27,548,000 | 28,256,000 | 27,847,000 |
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 | 2,326,000 | 4,677,000 | 7,034,000 | 9,495,000 |
| Interest expense | 149,000 | 317,000 | 485,000 | 654,000 |
| Net interest income | 2,177,000 | 4,360,000 | 6,549,000 | 8,841,000 |
| Noninterest income | 375,000 | 760,000 | 953,000 | 1,289,000 |
| Noninterest expense | 1,399,000 | 2,800,000 | 4,204,000 | 5,700,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,078,000 | 2,170,000 | 3,073,000 | 4,130,000 |
| Income tax | 403,000 | 767,000 | 1,082,000 | 1,457,000 |
| Net income | 675,000 | 1,403,000 | 1,991,000 | 2,673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,672,000 | 27,400,000 | 27,987,000 | 27,670,000 |
| Total capital | 29,147,000 | 29,961,000 | 30,660,000 | 30,308,000 |
| Risk-weighted assets | 206,275,000 | 203,266,000 | 212,285,000 | 209,371,000 |