Call reports 2013
OAKWORTH CAPITAL BANK — 2013
What OAKWORTH CAPITAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 242,276,000 | 263,196,000 | 255,371,000 | 252,080,000 |
| Total loans | 179,783,000 | 192,416,000 | 195,198,000 | 193,433,000 |
| Allowance for loan losses | 2,179,000 | 2,302,000 | 2,330,000 | 2,330,000 |
| Securities available for sale | 42,582,000 | 39,621,000 | 38,767,000 | 37,489,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,136,000 | 219,876,000 | 210,970,000 | 207,516,000 |
| Interest-bearing deposits | 159,212,000 | 170,564,000 | 151,431,000 | 152,728,000 |
| Noninterest-bearing deposits | 38,924,000 | 49,312,000 | 59,539,000 | 54,788,000 |
| Equity capital | 41,871,000 | 41,544,000 | 42,520,000 | 43,168,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,159,000 | 4,409,000 | 6,759,000 | 9,112,000 |
| Interest expense | 112,000 | 220,000 | 330,000 | 425,000 |
| Net interest income | 2,047,000 | 4,189,000 | 6,429,000 | 8,687,000 |
| Noninterest income | 449,000 | 961,000 | 1,496,000 | 2,086,000 |
| Noninterest expense | 1,605,000 | 3,196,000 | 4,792,000 | 6,543,000 |
| Provision for loan losses | 53,000 | 176,000 | 209,000 | 209,000 |
| Pretax income | 838,000 | 1,778,000 | 2,924,000 | 4,021,000 |
| Income tax | 255,000 | 530,000 | 884,000 | 1,213,000 |
| Net income | 583,000 | 1,248,000 | 2,040,000 | 2,808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,968,000 | 41,754,000 | 42,608,000 | 43,447,000 |
| Total capital | 43,147,000 | 44,056,000 | 44,938,000 | 45,777,000 |
| Risk-weighted assets | 211,195,000 | 224,526,000 | 225,560,000 | 229,189,000 |