Call reports 2025
OAK BANK — 2025
What OAK BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 464,055,000 | 472,863,000 | 482,049,000 | 471,618,000 |
| Total loans | 376,860,000 | 383,145,000 | 373,794,000 | 369,202,000 |
| Allowance for loan losses | 5,938,000 | 5,988,000 | 6,049,000 | 6,127,000 |
| Securities available for sale | 54,552,000 | 55,079,000 | 55,966,000 | 57,163,000 |
| Securities held to maturity | 2,885,000 | 2,885,000 | 2,885,000 | 2,885,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 403,741,000 | 410,319,000 | 418,984,000 | 406,532,000 |
| Interest-bearing deposits | 314,907,000 | 323,560,000 | 329,367,000 | 316,550,000 |
| Noninterest-bearing deposits | 88,834,000 | 86,759,000 | 89,617,000 | 89,982,000 |
| Equity capital | 46,882,000 | 48,809,000 | 49,115,000 | 50,776,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,189,000 | 12,363,000 | 18,722,000 | 25,258,000 |
| Interest expense | 2,468,000 | 4,835,000 | 7,160,000 | 9,511,000 |
| Net interest income | 3,721,000 | 7,528,000 | 11,562,000 | 15,747,000 |
| Noninterest income | 361,000 | 839,000 | 1,205,000 | 1,582,000 |
| Noninterest expense | 2,459,000 | 4,928,000 | 7,408,000 | 10,570,000 |
| Provision for loan losses | 67,000 | 116,000 | 177,000 | 255,000 |
| Pretax income | 1,548,000 | 3,289,000 | 5,134,000 | 6,459,000 |
| Income tax | 291,000 | 624,000 | 977,000 | 1,233,000 |
| Net income | 1,257,000 | 2,665,000 | 4,157,000 | 5,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,888,000 | 54,298,000 | 53,789,000 | 54,858,000 |
| Total capital | 57,425,000 | 58,918,000 | 58,314,000 | 59,339,000 |
| Risk-weighted assets | 361,555,000 | 368,150,000 | 360,429,000 | 356,741,000 |