Call reports 2012
OAK BANK — 2012
What OAK BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 218,209,000 | 219,667,000 | 212,139,000 | 208,388,000 |
| Total loans | 157,374,000 | 159,768,000 | 153,650,000 | 146,870,000 |
| Allowance for loan losses | 1,830,000 | 1,961,000 | 2,091,000 | 1,782,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,071,000 | 180,300,000 | 176,646,000 | 173,260,000 |
| Interest-bearing deposits | 146,206,000 | 149,324,000 | 144,234,000 | 139,116,000 |
| Noninterest-bearing deposits | 32,865,000 | 30,976,000 | 32,412,000 | 34,144,000 |
| Equity capital | 32,689,000 | 33,099,000 | 29,327,000 | 29,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,122,000 | 4,224,000 | 6,256,000 | 8,139,000 |
| Interest expense | 304,000 | 607,000 | 911,000 | 1,179,000 |
| Net interest income | 1,818,000 | 3,617,000 | 5,345,000 | 6,960,000 |
| Noninterest income | 212,000 | 448,000 | 711,000 | 1,059,000 |
| Noninterest expense | 1,411,000 | 2,677,000 | 3,931,000 | 5,215,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 540,000 |
| Pretax income | 484,000 | 1,118,000 | 1,720,000 | 2,264,000 |
| Income tax | 224,000 | 448,000 | 672,000 | 897,000 |
| Net income | 260,000 | 670,000 | 1,048,000 | 1,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,689,000 | 33,099,000 | 29,327,000 | 29,645,000 |
| Total capital | 34,519,000 | 35,059,000 | 31,326,000 | 31,427,000 |
| Risk-weighted assets | 162,580,000 | 165,643,000 | 159,843,000 | 154,877,000 |