Call reports 2009
LIVE OAK BANKING COMPANY — 2009
What LIVE OAK BANKING COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 111,378,000 | 113,558,000 | 117,443,000 | 129,269,000 |
| Total loans | 82,168,000 | 84,986,000 | 85,615,000 | 97,027,000 |
| Allowance for loan losses | 612,000 | 1,179,000 | 1,492,000 | 2,267,000 |
| Securities available for sale | 7,665,000 | 7,363,000 | 7,166,000 | 6,957,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,253,000 | 102,599,000 | 105,619,000 | 115,739,000 |
| Interest-bearing deposits | 87,589,000 | 102,019,000 | 104,671,000 | 115,025,000 |
| Noninterest-bearing deposits | 664,000 | 580,000 | 948,000 | 714,000 |
| Equity capital | 10,325,000 | 10,656,000 | 11,581,000 | 12,187,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,208,000 | 2,481,000 | 3,727,000 | 4,996,000 |
| Interest expense | 882,000 | 1,799,000 | 2,662,000 | 3,492,000 |
| Net interest income | 326,000 | 682,000 | 1,065,000 | 1,504,000 |
| Noninterest income | 878,000 | 2,925,000 | 5,432,000 | 9,880,000 |
| Noninterest expense | 1,662,000 | 3,136,000 | 4,894,000 | 7,378,000 |
| Provision for loan losses | 34,000 | 601,000 | 901,000 | 1,896,000 |
| Pretax income | -492,000 | -130,000 | 702,000 | 2,110,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -492,000 | -130,000 | 702,000 | 2,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,746,000 | 9,870,000 | 10,464,000 | 10,608,000 |
| Total capital | 10,358,000 | 10,794,000 | 11,476,000 | 11,790,000 |
| Risk-weighted assets | 59,749,000 | 73,669,000 | 80,456,000 | 93,451,000 |
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