Call reports 2021
OAK BANK — 2021
What OAK BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 426,866,000 | 423,895,000 | 424,746,000 | 432,669,000 |
| Total loans | 308,184,000 | 291,081,000 | 278,593,000 | 285,057,000 |
| Allowance for loan losses | 5,032,000 | 5,152,000 | 5,289,000 | 5,393,000 |
| Securities available for sale | 56,836,000 | 57,743,000 | 67,303,000 | 77,465,000 |
| Securities held to maturity | 4,690,000 | 4,690,000 | 4,655,000 | 4,655,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 353,597,000 | 354,984,000 | 355,457,000 | 364,576,000 |
| Interest-bearing deposits | 237,078,000 | 239,184,000 | 244,541,000 | 250,140,000 |
| Noninterest-bearing deposits | 116,519,000 | 115,800,000 | 110,916,000 | 114,436,000 |
| Equity capital | 40,280,000 | 41,766,000 | 42,495,000 | 41,332,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,141,000 | 6,319,000 | 9,370,000 | 12,449,000 |
| Interest expense | 353,000 | 661,000 | 935,000 | 1,196,000 |
| Net interest income | 2,788,000 | 5,658,000 | 8,435,000 | 11,253,000 |
| Noninterest income | 923,000 | 1,835,000 | 2,726,000 | 4,094,000 |
| Noninterest expense | 1,965,000 | 4,030,000 | 6,046,000 | 8,797,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 1,626,000 | 3,223,000 | 4,755,000 | 6,070,000 |
| Income tax | 409,000 | 810,000 | 1,199,000 | 1,531,000 |
| Net income | 1,217,000 | 2,413,000 | 3,556,000 | 4,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,727,000 | 40,923,000 | 42,066,000 | 41,049,000 |
| Total capital | 43,052,000 | 44,307,000 | 45,584,000 | 44,584,000 |
| Risk-weighted assets | 264,313,000 | 268,942,000 | 279,689,000 | 280,925,000 |