Call reports 2008
OAKWOOD BANK — 2008
What OAKWOOD BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 55,349,000 | 55,242,000 | 52,392,000 | 51,722,000 |
| Total loans | 43,524,000 | 41,490,000 | 41,050,000 | 41,211,000 |
| Allowance for loan losses | 578,000 | 609,000 | 723,000 | 726,000 |
| Securities available for sale | 2,383,000 | 3,765,000 | 3,158,000 | 4,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,211,000 | 48,065,000 | 47,287,000 | 46,577,000 |
| Interest-bearing deposits | 44,036,000 | 43,848,000 | 42,704,000 | 41,619,000 |
| Noninterest-bearing deposits | 4,175,000 | 4,217,000 | 4,583,000 | 4,958,000 |
| Equity capital | 4,806,000 | 4,849,000 | 4,815,000 | 4,850,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 890,000 | 1,778,000 | 2,608,000 | 3,415,000 |
| Interest expense | 457,000 | 864,000 | 1,233,000 | 1,559,000 |
| Net interest income | 433,000 | 914,000 | 1,375,000 | 1,856,000 |
| Noninterest income | 59,000 | 120,000 | 197,000 | 269,000 |
| Noninterest expense | 429,000 | 877,000 | 1,350,000 | 1,706,000 |
| Provision for loan losses | 6,000 | 12,000 | 126,000 | 128,000 |
| Pretax income | 57,000 | 145,000 | 96,000 | 291,000 |
| Income tax | 12,000 | 40,000 | 22,000 | 78,000 |
| Net income | 45,000 | 105,000 | 74,000 | 213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,817,000 | 4,877,000 | 4,846,000 | 4,905,000 |
| Total capital | 5,395,000 | 5,420,000 | 5,388,000 | 5,462,000 |
| Risk-weighted assets | 45,459,000 | 43,391,000 | 42,430,000 | 43,596,000 |