Call reports 2012
LIVE OAK BANKING COMPANY — 2012
What LIVE OAK BANKING COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 284,632,000 | 301,453,000 | 320,748,000 | 337,509,000 |
| Total loans | 202,854,000 | 219,584,000 | 230,805,000 | 238,212,000 |
| Allowance for loan losses | 5,271,000 | 5,043,000 | 5,549,000 | 5,468,000 |
| Securities available for sale | 16,403,000 | 16,709,000 | 15,665,000 | 15,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,960,000 | 262,795,000 | 279,665,000 | 288,804,000 |
| Interest-bearing deposits | 239,078,000 | 253,095,000 | 271,209,000 | 284,191,000 |
| Noninterest-bearing deposits | 9,882,000 | 9,700,000 | 8,456,000 | 4,613,000 |
| Equity capital | 33,329,000 | 36,016,000 | 38,228,000 | 40,792,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,548,000 | 5,401,000 | 8,287,000 | 11,703,000 |
| Interest expense | 636,000 | 1,371,000 | 2,141,000 | 2,976,000 |
| Net interest income | 1,912,000 | 4,030,000 | 6,146,000 | 8,727,000 |
| Noninterest income | 7,816,000 | 16,859,000 | 26,684,000 | 42,107,000 |
| Noninterest expense | 5,902,000 | 12,123,000 | 19,575,000 | 29,081,000 |
| Provision for loan losses | 589,000 | 1,067,000 | 1,645,000 | 2,110,000 |
| Pretax income | 3,237,000 | 7,699,000 | 11,610,000 | 19,643,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,237,000 | 7,699,000 | 11,610,000 | 19,643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,587,000 | 34,077,000 | 36,092,000 | 38,514,000 |
| Total capital | 34,041,000 | 36,845,000 | 38,929,000 | 41,437,000 |
| Risk-weighted assets | 193,321,000 | 219,159,000 | 224,346,000 | 231,309,000 |
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