Call reports 2009
OAK BANK — 2009
What OAK BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 195,782,000 | 193,909,000 | 200,239,000 | 199,107,000 |
| Total loans | 165,741,000 | 163,688,000 | 164,585,000 | 166,068,000 |
| Allowance for loan losses | 1,216,000 | 1,233,000 | 1,236,000 | 1,255,000 |
| Securities available for sale | 579,000 | 747,000 | 808,000 | 860,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,593,000 | 160,243,000 | 166,218,000 | 164,711,000 |
| Interest-bearing deposits | 141,967,000 | 140,308,000 | 143,833,000 | 141,066,000 |
| Noninterest-bearing deposits | 20,626,000 | 19,935,000 | 22,385,000 | 23,645,000 |
| Equity capital | 31,713,000 | 32,219,000 | 32,492,000 | 33,035,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,366,000 | 4,751,000 | 7,077,000 | 9,432,000 |
| Interest expense | 645,000 | 1,199,000 | 1,682,000 | 2,117,000 |
| Net interest income | 1,721,000 | 3,552,000 | 5,395,000 | 7,315,000 |
| Noninterest income | 133,000 | 297,000 | 456,000 | 604,000 |
| Noninterest expense | 1,297,000 | 2,600,000 | 3,950,000 | 5,229,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 539,000 | 1,213,000 | 1,847,000 | 2,618,000 |
| Income tax | 220,000 | 496,000 | 741,000 | 1,000,000 |
| Net income | 319,000 | 717,000 | 1,106,000 | 1,618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,815,000 | 32,218,000 | 32,452,000 | 32,963,000 |
| Total capital | 33,030,000 | 33,451,000 | 33,688,000 | 34,218,000 |
| Risk-weighted assets | 168,975,000 | 167,614,000 | 169,216,000 | 169,360,000 |
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