Call reports 2008
LIVE OAK BANKING COMPANY — 2008
What LIVE OAK BANKING COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|
| Total assets | 36,597,000 | 74,054,000 | 100,762,000 |
| Total loans | 15,129,000 | 57,277,000 | 79,267,000 |
| Allowance for loan losses | 82,000 | 533,000 | 578,000 |
| Securities available for sale | 1,619,000 | 4,411,000 | 5,962,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 29,228,000 | 66,739,000 | 82,893,000 |
| Interest-bearing deposits | 28,860,000 | 65,807,000 | 82,081,000 |
| Noninterest-bearing deposits | 368,000 | 932,000 | 812,000 |
| Equity capital | 7,287,000 | 7,106,000 | 7,717,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|
| Interest income | 151,000 | 973,000 | 2,196,000 |
| Interest expense | 83,000 | 661,000 | 1,523,000 |
| Net interest income | 68,000 | 312,000 | 673,000 |
| Noninterest income | 985,000 | 2,216,000 | 2,704,000 |
| Noninterest expense | 4,872,000 | 6,364,000 | 7,891,000 |
| Provision for loan losses | 82,000 | 533,000 | 859,000 |
| Pretax income | -3,901,000 | -4,369,000 | -5,373,000 |
| Income tax | 0 | 0 | 0 |
| Net income | -3,901,000 | -4,369,000 | -5,373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|
| Tier 1 capital | 7,301,000 | 6,879,000 | 7,330,000 |
| Total capital | 7,383,000 | 7,393,000 | 7,908,000 |
| Risk-weighted assets | 12,574,000 | 41,110,000 | 55,224,000 |
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