Call reports 2013
LIVE OAK BANKING COMPANY — 2013
What LIVE OAK BANKING COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 369,447,000 | 389,523,000 | 426,905,000 | 416,078,000 |
| Total loans | 257,008,000 | 276,718,000 | 314,818,000 | 300,662,000 |
| Allowance for loan losses | 5,484,000 | 5,238,000 | 4,911,000 | 2,723,000 |
| Securities available for sale | 19,750,000 | 16,780,000 | 20,457,000 | 19,446,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,448,000 | 344,564,000 | 378,820,000 | 356,624,000 |
| Interest-bearing deposits | 312,709,000 | 333,665,000 | 362,765,000 | 343,598,000 |
| Noninterest-bearing deposits | 11,739,000 | 10,899,000 | 16,055,000 | 13,026,000 |
| Equity capital | 41,323,000 | 41,909,000 | 43,977,000 | 50,221,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,405,000 | 6,797,000 | 10,713,000 | 14,868,000 |
| Interest expense | 887,000 | 1,835,000 | 2,847,000 | 3,949,000 |
| Net interest income | 2,518,000 | 4,962,000 | 7,866,000 | 10,919,000 |
| Noninterest income | 10,219,000 | 21,149,000 | 31,042,000 | 46,423,000 |
| Noninterest expense | 8,393,000 | 19,154,000 | 27,769,000 | 38,270,000 |
| Provision for loan losses | 599,000 | 868,000 | 529,000 | -858,000 |
| Pretax income | 3,745,000 | 6,089,000 | 10,610,000 | 19,941,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,745,000 | 6,089,000 | 10,610,000 | 19,941,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,029,000 | 39,867,000 | 41,928,000 | 48,089,000 |
| Total capital | 42,206,000 | 43,307,000 | 45,772,000 | 50,812,000 |
| Risk-weighted assets | 251,900,000 | 273,767,000 | 306,476,000 | 318,648,000 |
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