Call reports 2003
OAKDALE STATE BANK — 2003
What OAKDALE STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 15,318,000 | 16,288,000 | 16,331,000 | 17,169,000 |
| Total loans | 8,251,000 | 8,447,000 | 8,524,000 | 8,684,000 |
| Allowance for loan losses | 66,000 | 67,000 | 69,000 | 80,000 |
| Securities available for sale | 4,253,000 | 5,626,000 | 6,247,000 | 6,738,000 |
| Securities held to maturity | 1,200,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,208,000 | 15,018,000 | 15,234,000 | 16,001,000 |
| Interest-bearing deposits | 13,199,000 | 13,996,000 | 14,217,000 | 14,830,000 |
| Noninterest-bearing deposits | 1,009,000 | 1,022,000 | 1,017,000 | 1,171,000 |
| Equity capital | 1,025,000 | 1,134,000 | 1,029,000 | 1,026,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 208,000 | 426,000 | 650,000 | 876,000 |
| Interest expense | 94,000 | 183,000 | 260,000 | 338,000 |
| Net interest income | 114,000 | 243,000 | 390,000 | 538,000 |
| Noninterest income | 8,000 | 19,000 | 30,000 | 39,000 |
| Noninterest expense | 94,000 | 193,000 | 306,000 | 412,000 |
| Provision for loan losses | 2,000 | 3,000 | 5,000 | 16,000 |
| Pretax income | 26,000 | 66,000 | 109,000 | 149,000 |
| Income tax | 0 | 0 | 0 | 34,000 |
| Net income | 26,000 | 66,000 | 109,000 | 115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,017,000 | 1,057,000 | 1,099,000 | 1,056,000 |
| Total capital | 1,083,000 | 1,124,000 | 1,168,000 | 1,136,000 |
| Risk-weighted assets | 8,392,000 | 8,713,000 | 8,917,000 | 9,053,000 |
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