Call reports 2003
OAK LAWN BANK — 2003
What OAK LAWN BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 54,769,000 | 56,156,000 | 59,126,000 | 58,745,000 |
| Total loans | 35,754,000 | 38,055,000 | 42,238,000 | 42,877,000 |
| Allowance for loan losses | 365,000 | 395,000 | 425,000 | 455,000 |
| Securities available for sale | 9,999,000 | 11,852,000 | 10,117,000 | 7,549,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,629,000 | 50,991,000 | 53,910,000 | 53,455,000 |
| Interest-bearing deposits | 42,450,000 | 43,718,000 | 45,653,000 | 46,213,000 |
| Noninterest-bearing deposits | 7,179,000 | 7,272,000 | 8,257,000 | 7,243,000 |
| Equity capital | 4,994,000 | 5,028,000 | 5,063,000 | 5,118,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 624,000 | 1,324,000 | 2,029,000 | 2,720,000 |
| Interest expense | 206,000 | 425,000 | 639,000 | 851,000 |
| Net interest income | 418,000 | 899,000 | 1,390,000 | 1,869,000 |
| Noninterest income | 31,000 | 64,000 | 96,000 | 145,000 |
| Noninterest expense | 379,000 | 806,000 | 1,147,000 | 1,651,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 40,000 | 97,000 | 249,000 | 267,000 |
| Income tax | 10,000 | 29,000 | 80,000 | 30,000 |
| Net income | 30,000 | 68,000 | 169,000 | 237,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,783,000 | 4,839,000 | 4,957,000 | 4,968,000 |
| Total capital | 5,148,000 | 5,234,000 | 5,382,000 | 5,423,000 |
| Risk-weighted assets | 40,197,000 | 41,038,000 | 45,193,000 | 45,653,000 |
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