Call reports 2004
OAK LAWN BANK — 2004
What OAK LAWN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 58,936,000 | 63,120,000 | 65,307,000 | 67,469,000 |
| Total loans | 43,784,000 | 47,064,000 | 47,106,000 | 45,651,000 |
| Allowance for loan losses | 482,000 | 512,000 | 542,000 | 573,000 |
| Securities available for sale | 4,184,000 | 5,386,000 | 5,876,000 | 7,364,000 |
| Securities held to maturity | 2,502,000 | 3,500,000 | 3,500,000 | 3,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,616,000 | 57,740,000 | 59,776,000 | 61,874,000 |
| Interest-bearing deposits | 46,203,000 | 50,345,000 | 52,143,000 | 51,849,000 |
| Noninterest-bearing deposits | 7,412,000 | 7,395,000 | 7,633,000 | 10,025,000 |
| Equity capital | 5,183,000 | 5,178,000 | 5,335,000 | 5,399,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 695,000 | 1,440,000 | 2,234,000 | 3,044,000 |
| Interest expense | 219,000 | 453,000 | 702,000 | 966,000 |
| Net interest income | 476,000 | 987,000 | 1,532,000 | 2,078,000 |
| Noninterest income | 45,000 | 90,000 | 137,000 | 181,000 |
| Noninterest expense | 433,000 | 875,000 | 1,306,000 | 1,719,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 58,000 | 142,000 | 273,000 | 434,000 |
| Income tax | 19,000 | 44,000 | 88,000 | 148,000 |
| Net income | 39,000 | 98,000 | 185,000 | 286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,039,000 | 5,090,000 | 5,257,000 | 5,275,000 |
| Total capital | 5,521,000 | 5,602,000 | 5,799,000 | 5,848,000 |
| Risk-weighted assets | 46,255,000 | 51,992,000 | 51,159,000 | 50,923,000 |