Call reports 2006
OAKWOOD BANK — 2006
What OAKWOOD BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 45,985,000 | 48,604,000 | 51,882,000 | 53,487,000 |
| Total loans | 37,184,000 | 39,507,000 | 41,350,000 | 42,032,000 |
| Allowance for loan losses | 494,000 | 507,000 | 508,000 | 508,000 |
| Securities available for sale | 5,315,000 | 5,014,000 | 5,071,000 | 5,089,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,608,000 | 43,249,000 | 44,425,000 | 45,916,000 |
| Interest-bearing deposits | 37,477,000 | 39,790,000 | 40,593,000 | 41,829,000 |
| Noninterest-bearing deposits | 3,131,000 | 3,459,000 | 3,832,000 | 4,087,000 |
| Equity capital | 3,868,000 | 3,945,000 | 4,047,000 | 4,118,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 759,000 | 1,601,000 | 2,480,000 | 3,400,000 |
| Interest expense | 311,000 | 655,000 | 1,031,000 | 1,474,000 |
| Net interest income | 448,000 | 946,000 | 1,449,000 | 1,926,000 |
| Noninterest income | 51,000 | 110,000 | 176,000 | 234,000 |
| Noninterest expense | 359,000 | 767,000 | 1,171,000 | 1,623,000 |
| Provision for loan losses | 12,000 | 24,000 | 24,000 | 24,000 |
| Pretax income | 128,000 | 265,000 | 430,000 | 513,000 |
| Income tax | 43,000 | 85,000 | 142,000 | 171,000 |
| Net income | 85,000 | 180,000 | 288,000 | 342,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,942,000 | 4,022,000 | 4,081,000 | 4,135,000 |
| Total capital | 4,416,000 | 4,503,000 | 4,570,000 | 4,643,000 |
| Risk-weighted assets | 37,154,000 | 40,405,000 | 42,914,000 | 43,889,000 |