Call reports 2004
OAKLAND STATE BANK — 2004
What OAKLAND STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Total assets | 30,453,000 | 28,478,000 | 26,019,000 |
| Total loans | 18,055,000 | 16,760,000 | 16,282,000 |
| Allowance for loan losses | 881,000 | 968,000 | 882,000 |
| Securities available for sale | 1,470,000 | 876,000 | 864,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 26,881,000 | 24,978,000 | 22,344,000 |
| Interest-bearing deposits | 23,846,000 | 22,065,000 | 19,569,000 |
| Noninterest-bearing deposits | 3,035,000 | 2,913,000 | 2,775,000 |
| Equity capital | 2,711,000 | 2,642,000 | 2,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Interest income | 485,000 | 776,000 | 1,053,000 |
| Interest expense | 143,000 | 274,000 | 390,000 |
| Net interest income | 342,000 | 502,000 | 663,000 |
| Noninterest income | 40,000 | 83,000 | 90,000 |
| Noninterest expense | 277,000 | 517,000 | 766,000 |
| Provision for loan losses | 0 | 120,000 | 50,000 |
| Pretax income | 105,000 | -52,000 | -63,000 |
| Income tax | 0 | -113,000 | -340,000 |
| Net income | 105,000 | 61,000 | 277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Tier 1 capital | 2,689,000 | 2,645,000 | 2,861,000 |
| Total capital | 2,944,000 | 2,889,000 | 3,090,000 |
| Risk-weighted assets | 19,763,000 | 18,763,000 | 17,644,000 |