Call reports 2013
COMMERCIAL BANK OF OAK GROVE — 2013
What COMMERCIAL BANK OF OAK GROVE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 79,325,000 | 79,189,000 | 76,868,000 | 77,360,000 |
| Total loans | 33,315,000 | 33,211,000 | 32,785,000 | 33,047,000 |
| Allowance for loan losses | 1,645,000 | 1,549,000 | 1,536,000 | 1,512,000 |
| Securities available for sale | 31,475,000 | 28,698,000 | 26,119,000 | 21,608,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,789,000 | 67,704,000 | 65,314,000 | 65,861,000 |
| Interest-bearing deposits | 64,279,000 | 63,633,000 | 62,144,000 | 62,258,000 |
| Noninterest-bearing deposits | 3,510,000 | 4,071,000 | 3,170,000 | 3,603,000 |
| Equity capital | 11,392,000 | 11,310,000 | 11,363,000 | 11,368,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 542,000 | 1,077,000 | 1,595,000 | 2,107,000 |
| Interest expense | 87,000 | 165,000 | 237,000 | 303,000 |
| Net interest income | 455,000 | 912,000 | 1,358,000 | 1,804,000 |
| Noninterest income | 55,000 | 108,000 | 177,000 | 237,000 |
| Noninterest expense | 460,000 | 946,000 | 1,405,000 | 1,908,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 0 | 24,000 | 80,000 | 83,000 |
| Income tax | -11,000 | -11,000 | 5,000 | -1,000 |
| Net income | 11,000 | 35,000 | 75,000 | 84,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,060,000 | 10,095,000 | 10,153,000 | 10,154,000 |
| Total capital | 10,519,000 | 10,549,000 | 10,601,000 | 10,595,000 |
| Risk-weighted assets | 35,556,000 | 35,475,000 | 34,818,000 | 34,208,000 |