Call reports 2014
OAKWORTH CAPITAL BANK — 2014
What OAKWORTH CAPITAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 266,464,000 | 276,616,000 | 310,606,000 | 334,179,000 |
| Total loans | 204,774,000 | 223,645,000 | 232,678,000 | 253,447,000 |
| Allowance for loan losses | 2,457,000 | 2,562,000 | 2,562,000 | 2,790,000 |
| Securities available for sale | 37,839,000 | 38,151,000 | 37,454,000 | 37,334,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,452,000 | 219,356,000 | 262,331,000 | 274,925,000 |
| Interest-bearing deposits | 155,750,000 | 158,848,000 | 182,330,000 | 197,777,000 |
| Noninterest-bearing deposits | 64,702,000 | 60,508,000 | 80,001,000 | 77,148,000 |
| Equity capital | 44,174,000 | 45,397,000 | 46,557,000 | 47,555,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,406,000 | 4,977,000 | 7,730,000 | 10,573,000 |
| Interest expense | 96,000 | 199,000 | 316,000 | 447,000 |
| Net interest income | 2,310,000 | 4,778,000 | 7,414,000 | 10,126,000 |
| Noninterest income | 598,000 | 1,248,000 | 1,912,000 | 2,611,000 |
| Noninterest expense | 1,794,000 | 3,666,000 | 5,583,000 | 7,537,000 |
| Provision for loan losses | 127,000 | 233,000 | 233,000 | 461,000 |
| Pretax income | 987,000 | 2,127,000 | 3,510,000 | 4,739,000 |
| Income tax | 290,000 | 622,000 | 1,045,000 | 1,418,000 |
| Net income | 697,000 | 1,505,000 | 2,465,000 | 3,321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,105,000 | 44,995,000 | 46,051,000 | 46,986,000 |
| Total capital | 46,562,000 | 47,557,000 | 48,613,000 | 49,776,000 |
| Risk-weighted assets | 236,748,000 | 258,324,000 | 273,997,000 | 295,527,000 |