Call reports 2016
OAKWORTH CAPITAL BANK — 2016
What OAKWORTH CAPITAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 395,280,000 | 417,130,000 | 438,092,000 | 483,569,000 |
| Total loans | 307,266,000 | 336,987,000 | 344,949,000 | 375,677,000 |
| Allowance for loan losses | 3,328,000 | 3,706,000 | 3,795,000 | 4,133,000 |
| Securities available for sale | 40,257,000 | 41,315,000 | 41,683,000 | 42,269,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 601,000 | 605,000 | 473,000 | 85,000 |
| Total deposits | 338,652,000 | 359,648,000 | 378,892,000 | 425,613,000 |
| Interest-bearing deposits | 249,385,000 | 275,123,000 | 274,862,000 | 296,699,000 |
| Noninterest-bearing deposits | 89,267,000 | 84,525,000 | 104,030,000 | 128,914,000 |
| Equity capital | 54,763,000 | 55,952,000 | 57,002,000 | 56,815,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,536,000 | 7,191,000 | 11,112,000 | 15,130,000 |
| Interest expense | 202,000 | 379,000 | 565,000 | 757,000 |
| Net interest income | 3,334,000 | 6,812,000 | 10,547,000 | 14,373,000 |
| Noninterest income | 1,135,000 | 2,400,000 | 3,698,000 | 5,012,000 |
| Noninterest expense | 3,124,000 | 6,286,000 | 9,648,000 | 12,924,000 |
| Provision for loan losses | 18,000 | 396,000 | 484,000 | 822,000 |
| Pretax income | 1,327,000 | 2,539,000 | 4,122,000 | 5,663,000 |
| Income tax | 419,000 | 795,000 | 1,313,000 | 1,786,000 |
| Net income | 908,000 | 1,744,000 | 2,809,000 | 3,877,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,868,000 | 53,829,000 | 55,035,000 | 55,765,000 |
| Total capital | 56,196,000 | 57,535,000 | 58,830,000 | 59,898,000 |
| Risk-weighted assets | 355,517,000 | 387,387,000 | 397,138,000 | 431,421,000 |