Call reports 2016
OAK BANK — 2016
What OAK BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 196,176,000 | 197,813,000 | 199,735,000 | 194,179,000 |
| Total loans | 154,748,000 | 160,015,000 | 152,121,000 | 144,028,000 |
| Allowance for loan losses | 1,915,000 | 1,954,000 | 1,984,000 | 2,025,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,606,000 | 157,018,000 | 161,287,000 | 157,999,000 |
| Interest-bearing deposits | 110,808,000 | 114,463,000 | 112,817,000 | 107,484,000 |
| Noninterest-bearing deposits | 44,798,000 | 42,555,000 | 48,470,000 | 50,515,000 |
| Equity capital | 32,515,000 | 32,846,000 | 32,981,000 | 33,268,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,698,000 | 3,398,000 | 5,122,000 | 6,788,000 |
| Interest expense | 128,000 | 266,000 | 417,000 | 558,000 |
| Net interest income | 1,570,000 | 3,132,000 | 4,705,000 | 6,230,000 |
| Noninterest income | 192,000 | 414,000 | 601,000 | 791,000 |
| Noninterest expense | 1,224,000 | 2,437,000 | 3,686,000 | 4,886,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 508,000 | 1,049,000 | 1,530,000 | 2,015,000 |
| Income tax | 198,000 | 409,000 | 604,000 | 802,000 |
| Net income | 310,000 | 640,000 | 926,000 | 1,213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,515,000 | 32,846,000 | 32,981,000 | 33,268,000 |
| Total capital | 34,430,000 | 34,800,000 | 34,965,000 | 35,256,000 |
| Risk-weighted assets | 159,660,000 | 169,659,000 | 165,333,000 | 159,013,000 |