Call reports 2004
OAKWOOD BANK — 2004
What OAKWOOD BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 38,874,000 | 40,762,000 | 42,014,000 | 43,349,000 |
| Total loans | 26,544,000 | 27,808,000 | 29,945,000 | 30,198,000 |
| Allowance for loan losses | 454,000 | 478,000 | 505,000 | 517,000 |
| Securities available for sale | 6,936,000 | 8,504,000 | 8,111,000 | 9,318,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,168,000 | 37,000,000 | 37,633,000 | 38,839,000 |
| Interest-bearing deposits | 32,158,000 | 33,662,000 | 34,103,000 | 34,574,000 |
| Noninterest-bearing deposits | 3,010,000 | 3,338,000 | 3,530,000 | 4,265,000 |
| Equity capital | 3,319,000 | 3,232,000 | 3,372,000 | 3,478,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 593,000 | 1,171,000 | 1,795,000 | 2,385,000 |
| Interest expense | 175,000 | 347,000 | 525,000 | 711,000 |
| Net interest income | 418,000 | 824,000 | 1,270,000 | 1,674,000 |
| Noninterest income | 49,000 | 108,000 | 179,000 | 315,000 |
| Noninterest expense | 370,000 | 726,000 | 1,080,000 | 1,440,000 |
| Provision for loan losses | 18,000 | 36,000 | 97,000 | 115,000 |
| Pretax income | 81,000 | 172,000 | 269,000 | 435,000 |
| Income tax | 27,000 | 60,000 | 96,000 | 140,000 |
| Net income | 54,000 | 112,000 | 173,000 | 295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,246,000 | 3,304,000 | 3,335,000 | 3,456,000 |
| Total capital | 3,627,000 | 3,705,000 | 3,752,000 | 3,880,000 |
| Risk-weighted assets | 30,228,000 | 31,992,000 | 33,292,000 | 33,909,000 |