Call reports 2015
OAKWORTH CAPITAL BANK — 2015
What OAKWORTH CAPITAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 329,788,000 | 334,438,000 | 378,991,000 | 400,141,000 |
| Total loans | 271,813,000 | 283,046,000 | 293,428,000 | 300,973,000 |
| Allowance for loan losses | 2,992,000 | 3,116,000 | 3,236,000 | 3,310,000 |
| Securities available for sale | 37,411,000 | 36,709,000 | 37,312,000 | 38,057,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 472,000 |
| Total deposits | 275,221,000 | 274,069,000 | 326,664,000 | 345,347,000 |
| Interest-bearing deposits | 199,906,000 | 197,443,000 | 240,134,000 | 258,193,000 |
| Noninterest-bearing deposits | 75,315,000 | 76,626,000 | 86,530,000 | 87,154,000 |
| Equity capital | 48,616,000 | 49,280,000 | 50,688,000 | 53,649,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,916,000 | 5,972,000 | 9,254,000 | 12,662,000 |
| Interest expense | 135,000 | 276,000 | 448,000 | 646,000 |
| Net interest income | 2,781,000 | 5,696,000 | 8,806,000 | 12,016,000 |
| Noninterest income | 771,000 | 1,541,000 | 2,299,000 | 3,289,000 |
| Noninterest expense | 1,994,000 | 4,186,000 | 6,313,000 | 9,265,000 |
| Provision for loan losses | 202,000 | 326,000 | 446,000 | 530,000 |
| Pretax income | 1,356,000 | 2,725,000 | 4,346,000 | 5,510,000 |
| Income tax | 422,000 | 848,000 | 1,364,000 | 1,741,000 |
| Net income | 934,000 | 1,877,000 | 2,982,000 | 3,769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,866,000 | 48,902,000 | 50,102,000 | 51,775,000 |
| Total capital | 50,858,000 | 52,018,000 | 53,338,000 | 55,085,000 |
| Risk-weighted assets | 326,659,000 | 355,379,000 | 348,425,000 | 357,149,000 |