Call reports 2013
OAK BANK — 2013
What OAK BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 207,262,000 | 202,593,000 | 198,511,000 | 201,397,000 |
| Total loans | 147,442,000 | 146,520,000 | 141,899,000 | 150,340,000 |
| Allowance for loan losses | 1,814,000 | 1,837,000 | 1,897,000 | 1,946,000 |
| Securities available for sale | 0 | 0 | 0 | 3,999,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,302,000 | 167,699,000 | 163,820,000 | 166,229,000 |
| Interest-bearing deposits | 141,721,000 | 135,437,000 | 126,983,000 | 120,456,000 |
| Noninterest-bearing deposits | 30,581,000 | 32,262,000 | 36,837,000 | 45,773,000 |
| Equity capital | 29,685,000 | 30,010,000 | 30,107,000 | 30,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,815,000 | 3,610,000 | 5,339,000 | 7,314,000 |
| Interest expense | 247,000 | 476,000 | 676,000 | 852,000 |
| Net interest income | 1,568,000 | 3,134,000 | 4,663,000 | 6,462,000 |
| Noninterest income | 204,000 | 466,000 | 691,000 | 922,000 |
| Noninterest expense | 1,263,000 | 2,498,000 | 3,768,000 | 5,019,000 |
| Provision for loan losses | 135,000 | 245,000 | 305,000 | 365,000 |
| Pretax income | 364,000 | 857,000 | 1,281,000 | 2,000,000 |
| Income tax | 174,000 | 342,000 | 519,000 | 582,000 |
| Net income | 190,000 | 515,000 | 762,000 | 1,418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,685,000 | 30,010,000 | 30,107,000 | 30,763,000 |
| Total capital | 31,499,000 | 31,847,000 | 31,949,000 | 32,708,000 |
| Risk-weighted assets | 152,088,000 | 152,209,000 | 147,300,000 | 157,536,000 |
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