Call reports 2005
OAK LAWN BANK — 2005
What OAK LAWN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 64,297,000 | 67,080,000 | 66,783,000 | 65,605,000 |
| Total loans | 47,222,000 | 44,932,000 | 44,066,000 | 43,441,000 |
| Allowance for loan losses | 603,000 | 635,000 | 650,000 | 599,000 |
| Securities available for sale | 9,930,000 | 10,433,000 | 13,186,000 | 12,870,000 |
| Securities held to maturity | 3,000,000 | 3,000,000 | 3,000,000 | 3,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,694,000 | 61,286,000 | 60,878,000 | 58,717,000 |
| Interest-bearing deposits | 51,547,000 | 53,304,000 | 52,690,000 | 50,787,000 |
| Noninterest-bearing deposits | 7,147,000 | 7,982,000 | 8,187,000 | 7,930,000 |
| Equity capital | 5,425,000 | 5,571,000 | 5,669,000 | 5,724,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 833,000 | 1,711,000 | 2,648,000 | 3,596,000 |
| Interest expense | 279,000 | 582,000 | 930,000 | 1,308,000 |
| Net interest income | 554,000 | 1,129,000 | 1,718,000 | 2,288,000 |
| Noninterest income | 47,000 | 92,000 | 140,000 | 184,000 |
| Noninterest expense | 419,000 | 842,000 | 1,265,000 | 1,738,000 |
| Provision for loan losses | 30,000 | 60,000 | 75,000 | 25,000 |
| Pretax income | 152,000 | 319,000 | 518,000 | 709,000 |
| Income tax | 50,000 | 108,000 | 175,000 | 246,000 |
| Net income | 102,000 | 211,000 | 343,000 | 463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,383,000 | 5,505,000 | 5,648,000 | 5,774,000 |
| Total capital | 5,986,000 | 6,123,000 | 6,260,000 | 6,369,000 |
| Risk-weighted assets | 50,900,000 | 49,486,000 | 48,952,000 | 47,605,000 |
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