Call reports 2015
OAKDALE STATE BANK — 2015
What OAKDALE STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 20,235,000 | 19,496,000 | 19,075,000 | 18,713,000 |
| Total loans | 12,672,000 | 12,622,000 | 13,350,000 | 13,674,000 |
| Allowance for loan losses | 140,000 | 142,000 | 145,000 | 148,000 |
| Securities available for sale | 1,270,000 | 1,437,000 | 1,440,000 | 1,443,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,207,000 | 17,419,000 | 16,899,000 | 16,499,000 |
| Interest-bearing deposits | 15,759,000 | 15,197,000 | 14,233,000 | 13,785,000 |
| Noninterest-bearing deposits | 2,448,000 | 2,222,000 | 2,666,000 | 2,714,000 |
| Equity capital | 1,965,000 | 2,004,000 | 2,063,000 | 2,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 184,000 | 368,000 | 557,000 | 754,000 |
| Interest expense | 12,000 | 23,000 | 35,000 | 46,000 |
| Net interest income | 172,000 | 345,000 | 522,000 | 708,000 |
| Noninterest income | 17,000 | 41,000 | 66,000 | 90,000 |
| Noninterest expense | 132,000 | 260,000 | 391,000 | 504,000 |
| Provision for loan losses | 1,000 | 3,000 | 6,000 | 9,000 |
| Pretax income | 56,000 | 123,000 | 191,000 | 285,000 |
| Income tax | -6,000 | 6,000 | 20,000 | 75,000 |
| Net income | 62,000 | 117,000 | 171,000 | 210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,921,000 | 1,976,000 | 2,030,000 | 1,969,000 |
| Total capital | 2,061,000 | 2,118,000 | 2,175,000 | 2,117,000 |
| Risk-weighted assets | 12,321,000 | 12,297,000 | 13,003,000 | 13,115,000 |
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