Call reports 2010
LIVE OAK BANKING COMPANY — 2010
What LIVE OAK BANKING COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 180,937,000 | 209,352,000 | 207,392,000 | 245,335,000 |
| Total loans | 138,370,000 | 171,398,000 | 174,535,000 | 197,205,000 |
| Allowance for loan losses | 2,455,000 | 2,379,000 | 2,521,000 | 3,824,000 |
| Securities available for sale | 6,566,000 | 7,535,000 | 6,749,000 | 6,134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,736,000 | 146,636,000 | 141,136,000 | 168,327,000 |
| Interest-bearing deposits | 134,940,000 | 144,779,000 | 140,135,000 | 164,286,000 |
| Noninterest-bearing deposits | 1,796,000 | 1,857,000 | 1,001,000 | 4,041,000 |
| Equity capital | 15,935,000 | 17,657,000 | 19,635,000 | 20,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,513,000 | 3,429,000 | 5,631,000 | 7,753,000 |
| Interest expense | 849,000 | 1,941,000 | 3,122,000 | 4,109,000 |
| Net interest income | 664,000 | 1,488,000 | 2,509,000 | 3,644,000 |
| Noninterest income | 3,031,000 | 8,069,000 | 13,743,000 | 20,931,000 |
| Noninterest expense | 2,679,000 | 5,832,000 | 8,845,000 | 12,971,000 |
| Provision for loan losses | 186,000 | 601,000 | 942,000 | 2,619,000 |
| Pretax income | 830,000 | 3,124,000 | 6,465,000 | 8,985,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 830,000 | 3,124,000 | 6,465,000 | 8,985,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,340,000 | 15,925,000 | 17,839,000 | 19,793,000 |
| Total capital | 15,736,000 | 17,465,000 | 19,479,000 | 21,500,000 |
| Risk-weighted assets | 110,581,000 | 122,394,000 | 130,344,000 | 134,427,000 |
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