Call reports 2016
OAKDALE STATE BANK — 2016
What OAKDALE STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 19,502,000 | 19,912,000 | 19,256,000 | 19,392,000 |
| Total loans | 13,338,000 | 14,360,000 | 14,974,000 | 14,942,000 |
| Allowance for loan losses | 148,000 | 151,000 | 157,000 | 160,000 |
| Securities available for sale | 1,450,000 | 1,208,000 | 1,201,000 | 996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,339,000 | 17,699,000 | 16,953,000 | 17,092,000 |
| Interest-bearing deposits | 14,445,000 | 14,883,000 | 13,869,000 | 14,330,000 |
| Noninterest-bearing deposits | 2,894,000 | 2,816,000 | 3,084,000 | 2,762,000 |
| Equity capital | 2,061,000 | 2,113,000 | 2,184,000 | 2,120,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 196,000 | 396,000 | 612,000 | 837,000 |
| Interest expense | 11,000 | 22,000 | 33,000 | 44,000 |
| Net interest income | 185,000 | 374,000 | 579,000 | 793,000 |
| Noninterest income | 22,000 | 42,000 | 73,000 | 81,000 |
| Noninterest expense | 137,000 | 267,000 | 398,000 | 541,000 |
| Provision for loan losses | 0 | 5,000 | 11,000 | 16,000 |
| Pretax income | 70,000 | 146,000 | 245,000 | 319,000 |
| Income tax | 20,000 | 44,000 | 68,000 | 91,000 |
| Net income | 50,000 | 102,000 | 177,000 | 228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,019,000 | 2,071,000 | 2,146,000 | 2,097,000 |
| Total capital | 2,167,000 | 2,222,000 | 2,303,000 | 2,257,000 |
| Risk-weighted assets | 13,208,000 | 13,998,000 | 14,239,000 | 13,137,000 |
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