Call reports 2005
OAKWOOD BANK — 2005
What OAKWOOD BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 43,677,000 | 43,588,000 | 46,401,000 | 47,947,000 |
| Total loans | 31,626,000 | 35,300,000 | 34,979,000 | 36,168,000 |
| Allowance for loan losses | 522,000 | 525,000 | 525,000 | 479,000 |
| Securities available for sale | 9,136,000 | 5,466,000 | 5,787,000 | 5,318,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,319,000 | 39,570,000 | 41,196,000 | 42,637,000 |
| Interest-bearing deposits | 34,995,000 | 34,651,000 | 37,649,000 | 38,598,000 |
| Noninterest-bearing deposits | 3,324,000 | 4,919,000 | 3,547,000 | 4,039,000 |
| Equity capital | 3,511,000 | 3,621,000 | 3,705,000 | 3,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 647,000 | 1,304,000 | 2,061,000 | 2,874,000 |
| Interest expense | 191,000 | 399,000 | 664,000 | 959,000 |
| Net interest income | 456,000 | 905,000 | 1,397,000 | 1,915,000 |
| Noninterest income | 67,000 | 141,000 | 219,000 | 262,000 |
| Noninterest expense | 323,000 | 688,000 | 1,033,000 | 1,422,000 |
| Provision for loan losses | 2,000 | 2,000 | 2,000 | 2,000 |
| Pretax income | 198,000 | 320,000 | 548,000 | 720,000 |
| Income tax | 64,000 | 124,000 | 212,000 | 243,000 |
| Net income | 134,000 | 196,000 | 336,000 | 477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,590,000 | 3,652,000 | 3,738,000 | 3,903,000 |
| Total capital | 4,019,000 | 4,100,000 | 4,186,000 | 4,382,000 |
| Risk-weighted assets | 34,210,000 | 35,825,000 | 37,264,000 | 38,494,000 |