Call reports 2002
OAKLAND STATE BANK — 2002
What OAKLAND STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 33,361,000 | 34,287,000 | 39,330,000 | 39,031,000 |
| Total loans | 29,501,000 | 31,202,000 | 32,613,000 | 33,824,000 |
| Allowance for loan losses | 330,000 | 485,000 | 444,000 | 417,000 |
| Securities available for sale | 1,423,000 | 1,395,000 | 1,365,000 | 1,314,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,909,000 | 28,926,000 | 34,602,000 | 34,166,000 |
| Interest-bearing deposits | 26,432,000 | 26,189,000 | 31,789,000 | 31,393,000 |
| Noninterest-bearing deposits | 2,477,000 | 2,737,000 | 2,813,000 | 2,773,000 |
| Equity capital | 2,481,000 | 2,479,000 | 2,745,000 | 2,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 597,000 | 1,283,000 | 2,020,000 | 2,764,000 |
| Interest expense | 249,000 | 491,000 | 743,000 | 1,016,000 |
| Net interest income | 348,000 | 792,000 | 1,277,000 | 1,748,000 |
| Noninterest income | 97,000 | 177,000 | 253,000 | 334,000 |
| Noninterest expense | 273,000 | 544,000 | 825,000 | 1,145,000 |
| Provision for loan losses | 12,000 | 209,000 | 229,000 | 229,000 |
| Pretax income | 160,000 | 216,000 | 476,000 | 708,000 |
| Income tax | 49,000 | 113,000 | 215,000 | 305,000 |
| Net income | 111,000 | 103,000 | 261,000 | 403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,446,000 | 2,438,000 | 2,696,000 | 2,838,000 |
| Total capital | 2,776,000 | 2,818,000 | 3,104,000 | 3,255,000 |
| Risk-weighted assets | 29,008,000 | 30,328,000 | 32,584,000 | 33,636,000 |