Call reports 2002
OAKWOOD BANK — 2002
What OAKWOOD BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 36,001,000 | 36,788,000 | 38,669,000 | 38,281,000 |
| Total loans | 23,694,000 | 24,633,000 | 26,519,000 | 26,445,000 |
| Allowance for loan losses | 285,000 | 315,000 | 343,000 | 378,000 |
| Securities available for sale | 0 | 0 | 0 | 6,208,000 |
| Securities held to maturity | 6,597,000 | 8,175,000 | 6,954,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,982,000 | 33,661,000 | 35,110,000 | 34,730,000 |
| Interest-bearing deposits | 30,494,000 | 31,111,000 | 32,082,000 | 31,371,000 |
| Noninterest-bearing deposits | 2,488,000 | 2,550,000 | 3,028,000 | 3,359,000 |
| Equity capital | 2,623,000 | 2,771,000 | 2,688,000 | 3,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 542,000 | 1,147,000 | 1,768,000 | 2,306,000 |
| Interest expense | 285,000 | 531,000 | 776,000 | 1,017,000 |
| Net interest income | 257,000 | 616,000 | 992,000 | 1,289,000 |
| Noninterest income | 52,000 | 228,000 | 274,000 | 430,000 |
| Noninterest expense | 355,000 | 672,000 | 1,025,000 | 1,377,000 |
| Provision for loan losses | 30,000 | 60,000 | 211,000 | 224,000 |
| Pretax income | -76,000 | 112,000 | 30,000 | 220,000 |
| Income tax | 0 | 40,000 | 40,000 | 40,000 |
| Net income | -76,000 | 72,000 | -10,000 | 180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,623,000 | 2,771,000 | 2,688,000 | 3,130,000 |
| Total capital | 2,908,000 | 3,086,000 | 3,031,000 | 3,508,000 |
| Risk-weighted assets | 25,197,000 | 27,534,000 | 29,350,000 | 31,056,000 |