Call reports 2015
COMMERCIAL BANK OF OAK GROVE — 2015
What COMMERCIAL BANK OF OAK GROVE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 73,721,000 | 73,620,000 | 71,844,000 | 72,097,000 |
| Total loans | 38,172,000 | 38,499,000 | 40,601,000 | 42,097,000 |
| Allowance for loan losses | 1,508,000 | 1,508,000 | 1,685,000 | 1,909,000 |
| Securities available for sale | 20,566,000 | 18,099,000 | 16,289,000 | 15,027,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,731,000 | 61,862,000 | 59,954,000 | 60,435,000 |
| Interest-bearing deposits | 58,010,000 | 57,348,000 | 55,271,000 | 56,686,000 |
| Noninterest-bearing deposits | 3,721,000 | 4,514,000 | 4,683,000 | 3,749,000 |
| Equity capital | 11,534,000 | 11,599,000 | 11,693,000 | 11,564,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 544,000 | 1,099,000 | 1,670,000 | 2,250,000 |
| Interest expense | 38,000 | 76,000 | 111,000 | 145,000 |
| Net interest income | 506,000 | 1,023,000 | 1,559,000 | 2,105,000 |
| Noninterest income | 90,000 | 183,000 | 278,000 | 120,000 |
| Noninterest expense | 501,000 | 1,001,000 | 1,512,000 | 2,039,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 95,000 | 205,000 | 325,000 | 186,000 |
| Income tax | 26,000 | 59,000 | 95,000 | 40,000 |
| Net income | 69,000 | 146,000 | 230,000 | 146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,284,000 | 10,689,000 | 9,969,000 | 10,697,000 |
| Total capital | 10,745,000 | 11,171,000 | 10,464,000 | 11,202,000 |
| Risk-weighted assets | 35,801,000 | 37,527,000 | 37,632,000 | 38,477,000 |