Call reports 2004
OAKDALE STATE BANK — 2004
What OAKDALE 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 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 18,107,000 | 18,267,000 | 17,586,000 | 17,084,000 |
| Total loans | 8,396,000 | 8,624,000 | 9,061,000 | 8,859,000 |
| Allowance for loan losses | 79,000 | 80,000 | 80,000 | 80,000 |
| Securities available for sale | 7,520,000 | 7,400,000 | 7,373,000 | 7,122,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,847,000 | 17,172,000 | 16,257,000 | 15,810,000 |
| Interest-bearing deposits | 15,544,000 | 15,793,000 | 15,002,000 | 14,447,000 |
| Noninterest-bearing deposits | 1,303,000 | 1,379,000 | 1,255,000 | 1,363,000 |
| Equity capital | 1,174,000 | 1,033,000 | 1,233,000 | 1,139,000 |
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 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 228,000 | 452,000 | 681,000 | 909,000 |
| Interest expense | 78,000 | 153,000 | 225,000 | 293,000 |
| Net interest income | 150,000 | 299,000 | 456,000 | 616,000 |
| Noninterest income | 6,000 | 17,000 | 25,000 | 30,000 |
| Noninterest expense | 110,000 | 216,000 | 330,000 | 445,000 |
| Provision for loan losses | 0 | 1,000 | 1,000 | 21,000 |
| Pretax income | 46,000 | 99,000 | 150,000 | 180,000 |
| Income tax | 0 | 0 | 0 | 36,000 |
| Net income | 46,000 | 99,000 | 150,000 | 144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,102,000 | 1,155,000 | 1,206,000 | 1,150,000 |
| Total capital | 1,181,000 | 1,235,000 | 1,286,000 | 1,230,000 |
| Risk-weighted assets | 9,156,000 | 9,433,000 | 9,561,000 | 9,366,000 |
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