Call reports 2008
COMMERCIAL BANK OF OAK GROVE — 2008
What COMMERCIAL BANK OF OAK GROVE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 95,851,000 | 93,958,000 | 88,369,000 | 87,716,000 |
| Total loans | 39,094,000 | 38,801,000 | 39,424,000 | 40,667,000 |
| Allowance for loan losses | 868,000 | 871,000 | 784,000 | 734,000 |
| Securities available for sale | 51,875,000 | 52,449,000 | 46,726,000 | 41,112,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,010,000 | 77,355,000 | 72,072,000 | 71,264,000 |
| Interest-bearing deposits | 75,217,000 | 73,648,000 | 68,232,000 | 68,065,000 |
| Noninterest-bearing deposits | 3,793,000 | 3,707,000 | 3,840,000 | 3,199,000 |
| Equity capital | 15,884,000 | 15,777,000 | 15,766,000 | 15,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,371,000 | 2,671,000 | 3,927,000 | 4,960,000 |
| Interest expense | 657,000 | 1,247,000 | 1,777,000 | 2,243,000 |
| Net interest income | 714,000 | 1,424,000 | 2,150,000 | 2,717,000 |
| Noninterest income | 45,000 | 75,000 | 98,000 | 125,000 |
| Noninterest expense | 505,000 | 977,000 | 1,496,000 | 2,017,000 |
| Provision for loan losses | 0 | 0 | 270,000 | 270,000 |
| Pretax income | 254,000 | 522,000 | 482,000 | 555,000 |
| Income tax | 65,000 | 139,000 | 87,000 | 90,000 |
| Net income | 189,000 | 383,000 | 395,000 | 465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,451,000 | 15,644,000 | 15,657,000 | 15,728,000 |
| Total capital | 15,996,000 | 16,174,000 | 16,174,000 | 16,253,000 |
| Risk-weighted assets | 44,889,000 | 42,339,000 | 41,120,000 | 41,777,000 |
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