Call reports 2015
OAK BANK — 2015
What OAK BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 198,282,000 | 190,098,000 | 199,941,000 | 191,099,000 |
| Total loans | 147,744,000 | 150,771,000 | 154,502,000 | 155,001,000 |
| Allowance for loan losses | 1,840,000 | 1,811,000 | 1,842,000 | 1,885,000 |
| Securities available for sale | 5,999,000 | 1,989,000 | 2,000,000 | 1,999,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,648,000 | 155,085,000 | 164,811,000 | 155,725,000 |
| Interest-bearing deposits | 121,967,000 | 119,315,000 | 121,375,000 | 110,705,000 |
| Noninterest-bearing deposits | 41,681,000 | 35,770,000 | 43,436,000 | 45,020,000 |
| Equity capital | 31,579,000 | 31,954,000 | 32,089,000 | 32,355,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,626,000 | 3,425,000 | 5,108,000 | 6,792,000 |
| Interest expense | 157,000 | 306,000 | 457,000 | 594,000 |
| Net interest income | 1,469,000 | 3,119,000 | 4,651,000 | 6,198,000 |
| Noninterest income | 196,000 | 397,000 | 571,000 | 763,000 |
| Noninterest expense | 1,232,000 | 2,433,000 | 3,641,000 | 4,877,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 403,000 | 1,023,000 | 1,491,000 | 1,964,000 |
| Income tax | 193,000 | 433,000 | 622,000 | 827,000 |
| Net income | 210,000 | 590,000 | 869,000 | 1,137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,580,000 | 31,954,000 | 32,089,000 | 32,355,000 |
| Total capital | 33,420,000 | 33,765,000 | 33,931,000 | 34,240,000 |
| Risk-weighted assets | 155,570,000 | 155,378,000 | 159,440,000 | 158,998,000 |