Call reports 2001
OAKLAND STATE BANK — 2001
What OAKLAND STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 29,362,000 | 30,575,000 | 32,642,000 | 33,585,000 |
| Total loans | 25,006,000 | 26,963,000 | 26,766,000 | 26,421,000 |
| Allowance for loan losses | 292,000 | 307,000 | 317,000 | 323,000 |
| Securities available for sale | 1,875,000 | 1,822,000 | 1,801,000 | 1,486,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,586,000 | 25,213,000 | 28,279,000 | 29,200,000 |
| Interest-bearing deposits | 23,391,000 | 22,779,000 | 25,409,000 | 25,947,000 |
| Noninterest-bearing deposits | 2,195,000 | 2,434,000 | 2,870,000 | 3,253,000 |
| Equity capital | 2,278,000 | 2,360,000 | 2,336,000 | 2,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 595,000 | 1,215,000 | 1,854,000 | 2,471,000 |
| Interest expense | 293,000 | 577,000 | 887,000 | 1,173,000 |
| Net interest income | 302,000 | 638,000 | 967,000 | 1,298,000 |
| Noninterest income | 73,000 | 148,000 | 227,000 | 303,000 |
| Noninterest expense | 271,000 | 538,000 | 785,000 | 1,049,000 |
| Provision for loan losses | 2,000 | 18,000 | 28,000 | 40,000 |
| Pretax income | 102,000 | 230,000 | 381,000 | 512,000 |
| Income tax | 39,000 | 85,000 | 123,000 | 177,000 |
| Net income | 63,000 | 145,000 | 258,000 | 335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,239,000 | 2,316,000 | 2,282,000 | 2,335,000 |
| Total capital | 2,531,000 | 2,623,000 | 2,599,000 | 2,658,000 |
| Risk-weighted assets | 24,488,000 | 26,353,000 | 26,386,000 | 26,702,000 |