Call reports 2004
COMMERCIAL BANK OF OAK GROVE — 2004
What COMMERCIAL BANK OF OAK GROVE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 130,200,000 | 126,209,000 | 125,406,000 | 124,916,000 |
| Total loans | 41,096,000 | 41,713,000 | 40,807,000 | 41,835,000 |
| Allowance for loan losses | 847,000 | 850,000 | 858,000 | 743,000 |
| Securities available for sale | 83,059,000 | 80,946,000 | 81,080,000 | 80,843,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,009,000 | 110,043,000 | 108,596,000 | 108,847,000 |
| Interest-bearing deposits | 108,095,000 | 105,472,000 | 103,976,000 | 104,053,000 |
| Noninterest-bearing deposits | 4,914,000 | 4,571,000 | 4,620,000 | 4,794,000 |
| Equity capital | 16,068,000 | 15,538,000 | 16,089,000 | 15,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,321,000 | 2,592,000 | 3,832,000 | 4,990,000 |
| Interest expense | 625,000 | 1,203,000 | 1,792,000 | 2,415,000 |
| Net interest income | 696,000 | 1,389,000 | 2,040,000 | 2,575,000 |
| Noninterest income | 50,000 | 111,000 | 196,000 | 259,000 |
| Noninterest expense | 457,000 | 877,000 | 1,303,000 | 1,631,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 294,000 | 726,000 | 1,043,000 | 1,313,000 |
| Income tax | 74,000 | 207,000 | 294,000 | 358,000 |
| Net income | 220,000 | 519,000 | 749,000 | 955,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,301,000 | 15,600,000 | 15,829,000 | 15,226,000 |
| Total capital | 15,812,000 | 16,093,000 | 16,304,000 | 15,693,000 |
| Risk-weighted assets | 40,521,000 | 39,144,000 | 37,518,000 | 37,109,000 |
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