Call reports 2008
OAKDALE STATE BANK — 2008
What OAKDALE STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 17,306,000 | 16,695,000 | 16,488,000 | 15,511,000 |
| Total loans | 9,634,000 | 10,328,000 | 10,328,000 | 10,281,000 |
| Allowance for loan losses | 95,000 | 95,000 | 94,000 | 100,000 |
| Securities available for sale | 5,419,000 | 5,422,000 | 4,929,000 | 3,714,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,803,000 | 15,252,000 | 14,721,000 | 13,963,000 |
| Interest-bearing deposits | 13,504,000 | 14,059,000 | 13,756,000 | 12,720,000 |
| Noninterest-bearing deposits | 2,299,000 | 1,193,000 | 965,000 | 1,243,000 |
| Equity capital | 1,335,000 | 1,304,000 | 1,342,000 | 1,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 267,000 | 522,000 | 772,000 | 1,006,000 |
| Interest expense | 135,000 | 255,000 | 358,000 | 448,000 |
| Net interest income | 132,000 | 267,000 | 414,000 | 558,000 |
| Noninterest income | 16,000 | 32,000 | 51,000 | 70,000 |
| Noninterest expense | 128,000 | 250,000 | 385,000 | 522,000 |
| Provision for loan losses | 0 | 0 | 0 | 6,000 |
| Pretax income | 20,000 | 49,000 | 80,000 | 100,000 |
| Income tax | 3,000 | 7,000 | 7,000 | 12,000 |
| Net income | 17,000 | 42,000 | 73,000 | 88,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,324,000 | 1,349,000 | 1,380,000 | 1,345,000 |
| Total capital | 1,419,000 | 1,444,000 | 1,474,000 | 1,445,000 |
| Risk-weighted assets | 10,348,000 | 10,766,000 | 10,172,000 | 9,885,000 |
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