Call reports 2020
OAK BANK — 2020
What OAK BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 332,241,000 | 405,235,000 | 405,575,000 | 415,135,000 |
| Total loans | 265,752,000 | 313,348,000 | 314,183,000 | 295,033,000 |
| Allowance for loan losses | 4,125,000 | 4,822,000 | 4,852,000 | 4,911,000 |
| Securities available for sale | 32,998,000 | 33,985,000 | 38,799,000 | 53,437,000 |
| Securities held to maturity | 4,890,000 | 4,690,000 | 4,690,000 | 4,690,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,248,000 | 331,605,000 | 330,974,000 | 342,634,000 |
| Interest-bearing deposits | 195,208,000 | 219,300,000 | 221,307,000 | 238,458,000 |
| Noninterest-bearing deposits | 70,040,000 | 112,305,000 | 109,667,000 | 104,176,000 |
| Equity capital | 37,698,000 | 39,346,000 | 40,718,000 | 39,708,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,344,000 | 6,592,000 | 9,848,000 | 13,026,000 |
| Interest expense | 521,000 | 996,000 | 1,437,000 | 1,864,000 |
| Net interest income | 2,823,000 | 5,596,000 | 8,411,000 | 11,162,000 |
| Noninterest income | 679,000 | 2,369,000 | 3,201,000 | 3,902,000 |
| Noninterest expense | 1,808,000 | 3,698,000 | 5,554,000 | 7,722,000 |
| Provision for loan losses | 120,000 | 820,000 | 850,000 | 925,000 |
| Pretax income | 1,574,000 | 3,447,000 | 5,208,000 | 6,417,000 |
| Income tax | 403,000 | 898,000 | 1,347,000 | 1,644,000 |
| Net income | 1,171,000 | 2,549,000 | 3,861,000 | 4,773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,907,000 | 38,286,000 | 39,597,000 | 38,510,000 |
| Total capital | 40,321,000 | 41,680,000 | 42,916,000 | 41,826,000 |
| Risk-weighted assets | 272,408,000 | 270,099,000 | 263,963,000 | 263,712,000 |