Call reports 2016
OAK BANK — 2016
What OAK BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 257,421,000 | 259,776,000 | 269,365,000 | 270,506,000 |
| Total loans | 205,994,000 | 210,511,000 | 207,703,000 | 212,427,000 |
| Allowance for loan losses | 4,308,000 | 4,353,000 | 4,401,000 | 4,444,000 |
| Securities available for sale | 26,173,000 | 26,830,000 | 27,718,000 | 29,638,000 |
| Securities held to maturity | 6,150,000 | 6,150,000 | 6,150,000 | 5,550,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,658,000 | 209,609,000 | 220,536,000 | 223,731,000 |
| Interest-bearing deposits | 156,822,000 | 154,733,000 | 160,297,000 | 165,202,000 |
| Noninterest-bearing deposits | 57,836,000 | 54,876,000 | 60,239,000 | 58,529,000 |
| Equity capital | 28,684,000 | 29,572,000 | 29,283,000 | 29,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,413,000 | 4,887,000 | 7,378,000 | 9,884,000 |
| Interest expense | 166,000 | 340,000 | 525,000 | 712,000 |
| Net interest income | 2,247,000 | 4,547,000 | 6,853,000 | 9,172,000 |
| Noninterest income | 353,000 | 734,000 | 1,129,000 | 1,557,000 |
| Noninterest expense | 1,392,000 | 2,833,000 | 4,294,000 | 6,033,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 1,163,000 | 2,363,000 | 3,558,000 | 4,521,000 |
| Income tax | 419,000 | 854,000 | 1,285,000 | 1,625,000 |
| Net income | 744,000 | 1,509,000 | 2,273,000 | 2,896,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,413,000 | 29,178,000 | 28,942,000 | 29,564,000 |
| Total capital | 31,127,000 | 31,973,000 | 31,565,000 | 32,277,000 |
| Risk-weighted assets | 215,540,000 | 222,063,000 | 208,053,000 | 215,285,000 |