Call reports 2012
OAKWORTH CAPITAL BANK — 2012
What OAKWORTH CAPITAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 209,153,000 | 215,212,000 | 238,981,000 | 261,858,000 |
| Total loans | 148,965,000 | 155,947,000 | 176,730,000 | 175,431,000 |
| Allowance for loan losses | 1,788,000 | 1,873,000 | 2,126,000 | 2,126,000 |
| Securities available for sale | 42,709,000 | 40,074,000 | 42,537,000 | 42,325,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,763,000 | 170,868,000 | 193,680,000 | 218,600,000 |
| Interest-bearing deposits | 136,485,000 | 137,136,000 | 160,189,000 | 171,259,000 |
| Noninterest-bearing deposits | 29,278,000 | 33,732,000 | 33,491,000 | 47,341,000 |
| Equity capital | 38,880,000 | 39,744,000 | 40,556,000 | 41,294,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,001,000 | 4,057,000 | 6,198,000 | 8,450,000 |
| Interest expense | 163,000 | 304,000 | 439,000 | 563,000 |
| Net interest income | 1,838,000 | 3,753,000 | 5,759,000 | 7,887,000 |
| Noninterest income | 355,000 | 737,000 | 1,137,000 | 1,579,000 |
| Noninterest expense | 1,399,000 | 2,842,000 | 4,291,000 | 5,882,000 |
| Provision for loan losses | 238,000 | 323,000 | 576,000 | 576,000 |
| Pretax income | 556,000 | 1,325,000 | 2,029,000 | 3,008,000 |
| Income tax | 158,000 | 389,000 | 595,000 | 891,000 |
| Net income | 398,000 | 936,000 | 1,434,000 | 2,117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,177,000 | 38,812,000 | 39,473,000 | 40,255,000 |
| Total capital | 39,965,000 | 40,685,000 | 41,599,000 | 42,381,000 |
| Risk-weighted assets | 176,731,000 | 182,268,000 | 201,315,000 | 202,911,000 |