Call reports 2003
OAKWOOD BANK — 2003
What OAKWOOD BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 36,750,000 | 37,822,000 | 37,108,000 | 38,525,000 |
| Total loans | 24,757,000 | 27,798,000 | 28,019,000 | 26,837,000 |
| Allowance for loan losses | 373,000 | 401,000 | 450,000 | 441,000 |
| Securities available for sale | 6,105,000 | 5,687,000 | 4,984,000 | 7,130,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,082,000 | 33,798,000 | 33,752,000 | 34,977,000 |
| Interest-bearing deposits | 30,241,000 | 30,299,000 | 30,580,000 | 31,343,000 |
| Noninterest-bearing deposits | 2,841,000 | 3,499,000 | 3,172,000 | 3,634,000 |
| Equity capital | 3,181,000 | 3,234,000 | 3,088,000 | 3,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 599,000 | 1,186,000 | 1,753,000 | 2,327,000 |
| Interest expense | 217,000 | 423,000 | 625,000 | 814,000 |
| Net interest income | 382,000 | 763,000 | 1,128,000 | 1,513,000 |
| Noninterest income | 58,000 | 121,000 | 177,000 | 232,000 |
| Noninterest expense | 390,000 | 724,000 | 1,095,000 | 1,387,000 |
| Provision for loan losses | 24,000 | 62,000 | 242,000 | 242,000 |
| Pretax income | 26,000 | 98,000 | -25,000 | 153,000 |
| Income tax | 0 | 21,000 | 0 | 17,000 |
| Net income | 26,000 | 77,000 | -25,000 | 136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,155,000 | 3,144,000 | 3,043,000 | 3,192,000 |
| Total capital | 3,512,000 | 3,529,000 | 3,426,000 | 3,572,000 |
| Risk-weighted assets | 28,543,000 | 30,644,000 | 30,583,000 | 30,308,000 |