Call reports 2020
OAKDALE STATE BANK — 2020
What OAKDALE STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 21,579,000 | 23,409,000 | 23,414,000 | 23,505,000 |
| Total loans | 14,815,000 | 14,900,000 | 15,156,000 | 15,243,000 |
| Allowance for loan losses | 167,000 | 170,000 | 170,000 | 180,000 |
| Securities available for sale | 411,000 | 415,000 | 413,000 | 850,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,834,000 | 20,612,000 | 20,556,000 | 20,641,000 |
| Interest-bearing deposits | 15,135,000 | 16,391,000 | 15,411,000 | 15,859,000 |
| Noninterest-bearing deposits | 3,699,000 | 4,221,000 | 5,145,000 | 4,782,000 |
| Equity capital | 2,657,000 | 2,711,000 | 2,758,000 | 2,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 236,000 | 468,000 | 697,000 | 924,000 |
| Interest expense | 15,000 | 30,000 | 45,000 | 58,000 |
| Net interest income | 221,000 | 438,000 | 652,000 | 866,000 |
| Noninterest income | 10,000 | 16,000 | 22,000 | 30,000 |
| Noninterest expense | 144,000 | 285,000 | 433,000 | 572,000 |
| Provision for loan losses | 0 | 3,000 | 3,000 | 13,000 |
| Pretax income | 87,000 | 166,000 | 238,000 | 311,000 |
| Income tax | 24,000 | 50,000 | 75,000 | 82,000 |
| Net income | 63,000 | 116,000 | 163,000 | 229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,617,000 | 2,674,000 | 2,725,000 | 2,704,000 |
| Total capital | 2,784,000 | 2,844,000 | 2,895,000 | 2,884,000 |
| Risk-weighted assets | 14,649,000 | 15,066,000 | 15,397,000 | 15,426,000 |
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