Call reports 2007
OAKWOOD BANK — 2007
What OAKWOOD BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 53,035,000 | 53,653,000 | 53,493,000 | 54,692,000 |
| Total loans | 42,259,000 | 43,332,000 | 42,875,000 | 44,457,000 |
| Allowance for loan losses | 540,000 | 502,000 | 532,000 | 576,000 |
| Securities available for sale | 4,889,000 | 4,456,000 | 3,281,000 | 2,779,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,414,000 | 46,176,000 | 46,989,000 | 47,623,000 |
| Interest-bearing deposits | 42,000,000 | 42,636,000 | 43,126,000 | 43,355,000 |
| Noninterest-bearing deposits | 3,414,000 | 3,540,000 | 3,863,000 | 4,268,000 |
| Equity capital | 4,141,000 | 4,070,000 | 4,076,000 | 4,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 919,000 | 1,889,000 | 2,841,000 | 3,759,000 |
| Interest expense | 458,000 | 930,000 | 1,417,000 | 1,893,000 |
| Net interest income | 461,000 | 959,000 | 1,424,000 | 1,866,000 |
| Noninterest income | 71,000 | 144,000 | 230,000 | 319,000 |
| Noninterest expense | 464,000 | 839,000 | 1,267,000 | 1,619,000 |
| Provision for loan losses | 21,000 | 244,000 | 274,000 | 318,000 |
| Pretax income | 47,000 | 17,000 | 110,000 | 246,000 |
| Income tax | 10,000 | 48,000 | 92,000 | 46,000 |
| Net income | 37,000 | -31,000 | 18,000 | 200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,154,000 | 4,085,000 | 4,089,000 | 4,772,000 |
| Total capital | 4,694,000 | 4,587,000 | 4,621,000 | 5,348,000 |
| Risk-weighted assets | 44,093,000 | 45,852,000 | 44,943,000 | 46,167,000 |