Call reports 2016
COMMERCIAL BANK OF OAK GROVE — 2016
What COMMERCIAL BANK OF OAK GROVE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 71,195,000 | 72,458,000 | 70,298,000 | 71,721,000 |
| Total loans | 41,178,000 | 40,133,000 | 43,261,000 | 44,108,000 |
| Allowance for loan losses | 1,919,000 | 1,919,000 | 1,824,000 | 1,731,000 |
| Securities available for sale | 14,628,000 | 14,332,000 | 14,199,000 | 13,914,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,461,000 | 60,578,000 | 58,320,000 | 60,222,000 |
| Interest-bearing deposits | 55,147,000 | 56,008,000 | 53,949,000 | 44,120,000 |
| Noninterest-bearing deposits | 4,314,000 | 4,570,000 | 4,371,000 | 16,102,000 |
| Equity capital | 11,670,000 | 11,774,000 | 11,816,000 | 11,375,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 570,000 | 1,135,000 | 1,678,000 | 2,272,000 |
| Interest expense | 34,000 | 68,000 | 102,000 | 135,000 |
| Net interest income | 536,000 | 1,067,000 | 1,576,000 | 2,137,000 |
| Noninterest income | 93,000 | 196,000 | 298,000 | 317,000 |
| Noninterest expense | 509,000 | 1,016,000 | 1,533,000 | 2,529,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 120,000 | 247,000 | 341,000 | -75,000 |
| Income tax | 37,000 | 80,000 | 113,000 | -53,000 |
| Net income | 83,000 | 167,000 | 228,000 | -22,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,865,000 | 10,947,000 | 10,764,000 | 11,367,000 |
| Total capital | 11,310,000 | 11,387,000 | 11,259,000 | 11,879,000 |
| Risk-weighted assets | 33,757,000 | 33,312,000 | 37,750,000 | 39,772,000 |