Call reports 2023
OAK BANK — 2023
What OAK BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 443,873,000 | 456,485,000 | 458,228,000 | 470,545,000 |
| Total loans | 358,094,000 | 358,711,000 | 369,928,000 | 377,520,000 |
| Allowance for loan losses | 5,455,000 | 5,515,000 | 5,565,000 | 5,606,000 |
| Securities available for sale | 61,570,000 | 58,811,000 | 54,584,000 | 57,448,000 |
| Securities held to maturity | 3,655,000 | 3,655,000 | 3,355,000 | 2,955,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 373,548,000 | 390,887,000 | 388,350,000 | 400,952,000 |
| Interest-bearing deposits | 268,253,000 | 293,870,000 | 288,629,000 | 308,088,000 |
| Noninterest-bearing deposits | 105,294,000 | 97,018,000 | 99,721,000 | 92,864,000 |
| Equity capital | 40,953,000 | 41,674,000 | 40,934,000 | 44,622,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,705,000 | 9,639,000 | 14,821,000 | 20,427,000 |
| Interest expense | 959,000 | 2,424,000 | 4,214,000 | 6,389,000 |
| Net interest income | 3,746,000 | 7,215,000 | 10,607,000 | 14,038,000 |
| Noninterest income | 523,000 | 1,106,000 | 1,651,000 | 2,434,000 |
| Noninterest expense | 2,213,000 | 4,510,000 | 6,845,000 | 9,266,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 215,000 |
| Pretax income | 1,996,000 | 3,691,000 | 5,233,000 | 6,966,000 |
| Income tax | 508,000 | 934,000 | 1,152,000 | 2,423,000 |
| Net income | 1,488,000 | 2,757,000 | 4,081,000 | 4,543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,402,000 | 48,670,000 | 49,996,000 | 50,457,000 |
| Total capital | 51,780,000 | 53,028,000 | 54,508,000 | 55,084,000 |
| Risk-weighted assets | 349,196,000 | 347,471,000 | 359,975,000 | 369,208,000 |