Call reports 2019
OAK BANK — 2019
What OAK BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 315,311,000 | 323,748,000 | 316,052,000 | 321,362,000 |
| Total loans | 251,586,000 | 246,649,000 | 255,778,000 | 247,942,000 |
| Allowance for loan losses | 4,403,000 | 4,403,000 | 4,403,000 | 4,003,000 |
| Securities available for sale | 31,468,000 | 34,910,000 | 34,164,000 | 33,635,000 |
| Securities held to maturity | 4,950,000 | 4,950,000 | 4,890,000 | 4,890,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,527,000 | 263,619,000 | 258,188,000 | 264,168,000 |
| Interest-bearing deposits | 190,805,000 | 152,595,000 | 145,535,000 | 191,347,000 |
| Noninterest-bearing deposits | 68,722,000 | 111,024,000 | 112,653,000 | 72,821,000 |
| Equity capital | 34,435,000 | 35,959,000 | 37,382,000 | 36,266,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,436,000 | 6,923,000 | 10,434,000 | 13,852,000 |
| Interest expense | 516,000 | 1,068,000 | 1,628,000 | 2,171,000 |
| Net interest income | 2,920,000 | 5,855,000 | 8,806,000 | 11,681,000 |
| Noninterest income | 431,000 | 904,000 | 1,316,000 | 1,794,000 |
| Noninterest expense | 1,721,000 | 3,478,000 | 5,237,000 | 7,400,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,630,000 | 3,281,000 | 4,885,000 | 6,075,000 |
| Income tax | 418,000 | 838,000 | 1,248,000 | 1,543,000 |
| Net income | 1,212,000 | 2,443,000 | 3,637,000 | 4,532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,210,000 | 34,539,000 | 35,681,000 | 34,420,000 |
| Total capital | 36,396,000 | 37,712,000 | 38,956,000 | 37,640,000 |
| Risk-weighted assets | 252,352,000 | 251,478,000 | 259,868,000 | 255,532,000 |