Call reports 2022
OAK BANK — 2022
What OAK BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 429,274,000 | 424,467,000 | 442,334,000 | 462,519,000 |
| Total loans | 291,023,000 | 313,932,000 | 340,350,000 | 346,173,000 |
| Allowance for loan losses | 5,394,000 | 5,394,000 | 5,395,000 | 5,395,000 |
| Securities available for sale | 71,878,000 | 67,332,000 | 62,104,000 | 62,348,000 |
| Securities held to maturity | 3,655,000 | 3,655,000 | 3,655,000 | 3,655,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 363,171,000 | 359,216,000 | 378,077,000 | 395,001,000 |
| Interest-bearing deposits | 248,968,000 | 247,651,000 | 253,997,000 | 273,345,000 |
| Noninterest-bearing deposits | 114,203,000 | 111,565,000 | 124,080,000 | 121,656,000 |
| Equity capital | 38,221,000 | 37,125,000 | 36,327,000 | 38,585,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,146,000 | 6,531,000 | 10,492,000 | 15,003,000 |
| Interest expense | 215,000 | 418,000 | 722,000 | 1,317,000 |
| Net interest income | 2,931,000 | 6,113,000 | 9,770,000 | 13,686,000 |
| Noninterest income | 707,000 | 1,428,000 | 2,120,000 | 2,642,000 |
| Noninterest expense | 2,053,000 | 4,202,000 | 6,390,000 | 9,840,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,585,000 | 3,339,000 | 5,500,000 | 6,488,000 |
| Income tax | 397,000 | 837,000 | 1,388,000 | 1,623,000 |
| Net income | 1,188,000 | 2,502,000 | 4,112,000 | 4,865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,237,000 | 43,550,000 | 45,161,000 | 45,914,000 |
| Total capital | 45,964,000 | 47,559,000 | 49,399,000 | 50,204,000 |
| Risk-weighted assets | 296,493,000 | 319,370,000 | 337,873,000 | 342,119,000 |