Call reports 2005
COMMERCIAL BANK OF OAK GROVE — 2005
What COMMERCIAL BANK OF OAK GROVE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 125,106,000 | 123,531,000 | 120,193,000 | 118,756,000 |
| Total loans | 42,186,000 | 42,395,000 | 43,462,000 | 43,630,000 |
| Allowance for loan losses | 749,000 | 756,000 | 827,000 | 795,000 |
| Securities available for sale | 79,515,000 | 78,395,000 | 72,123,000 | 71,495,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,458,000 | 107,399,000 | 103,984,000 | 102,556,000 |
| Interest-bearing deposits | 104,538,000 | 102,485,000 | 98,372,000 | 96,496,000 |
| Noninterest-bearing deposits | 4,920,000 | 4,914,000 | 5,612,000 | 6,060,000 |
| Equity capital | 15,069,000 | 15,366,000 | 15,461,000 | 15,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,240,000 | 2,531,000 | 3,806,000 | 5,071,000 |
| Interest expense | 641,000 | 1,332,000 | 2,026,000 | 2,703,000 |
| Net interest income | 599,000 | 1,199,000 | 1,780,000 | 2,368,000 |
| Noninterest income | 62,000 | 124,000 | 165,000 | 215,000 |
| Noninterest expense | 423,000 | 839,000 | 1,275,000 | 1,700,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 238,000 | 484,000 | 670,000 | 883,000 |
| Income tax | 59,000 | 127,000 | 169,000 | 222,000 |
| Net income | 179,000 | 357,000 | 501,000 | 661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,405,000 | 15,583,000 | 15,884,000 | 16,080,000 |
| Total capital | 15,869,000 | 16,046,000 | 16,228,000 | 16,546,000 |
| Risk-weighted assets | 36,808,000 | 36,751,000 | 36,833,000 | 36,985,000 |
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