Call reports 2014
LIVE OAK BANKING COMPANY — 2014
What LIVE OAK BANKING COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 475,353,000 | 501,837,000 | 564,996,000 | 634,053,000 |
| Total loans | 350,623,000 | 367,756,000 | 423,580,000 | 495,499,000 |
| Allowance for loan losses | 3,213,000 | 3,568,000 | 3,577,000 | 4,407,000 |
| Securities available for sale | 19,015,000 | 18,404,000 | 49,176,000 | 49,318,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 417,224,000 | 426,868,000 | 484,603,000 | 561,684,000 |
| Interest-bearing deposits | 402,184,000 | 415,328,000 | 428,441,000 | 507,660,000 |
| Noninterest-bearing deposits | 15,040,000 | 11,540,000 | 56,162,000 | 54,024,000 |
| Equity capital | 50,935,000 | 56,771,000 | 64,150,000 | 61,905,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,541,000 | 9,830,000 | 16,097,000 | 23,038,000 |
| Interest expense | 1,098,000 | 2,229,000 | 3,401,000 | 4,735,000 |
| Net interest income | 3,443,000 | 7,601,000 | 12,696,000 | 18,303,000 |
| Noninterest income | 12,870,000 | 29,060,000 | 46,124,000 | 61,934,000 |
| Noninterest expense | 9,445,000 | 20,506,000 | 33,011,000 | 47,453,000 |
| Provision for loan losses | 424,000 | 899,000 | 1,411,000 | 2,792,000 |
| Pretax income | 6,444,000 | 15,256,000 | 24,398,000 | 29,918,000 |
| Income tax | 0 | 0 | 1,463,000 | 8,005,000 |
| Net income | 6,444,000 | 15,256,000 | 22,935,000 | 21,913,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,541,000 | 54,018,000 | 61,195,000 | 58,836,000 |
| Total capital | 51,754,000 | 57,586,000 | 64,772,000 | 63,243,000 |
| Risk-weighted assets | 352,876,000 | 369,632,000 | 415,002,000 | 473,208,000 |
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