Call reports 2009
OAKWOOD BANK — 2009
What OAKWOOD BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 50,696,000 | 54,730,000 | 55,457,000 | 59,432,000 |
| Total loans | 41,180,000 | 43,049,000 | 43,785,000 | 45,863,000 |
| Allowance for loan losses | 477,000 | 472,000 | 651,000 | 715,000 |
| Securities available for sale | 5,172,000 | 5,323,000 | 5,853,000 | 5,818,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,483,000 | 46,746,000 | 46,117,000 | 50,060,000 |
| Interest-bearing deposits | 41,269,000 | 42,393,000 | 41,934,000 | 42,607,000 |
| Noninterest-bearing deposits | 4,214,000 | 4,353,000 | 4,183,000 | 7,453,000 |
| Equity capital | 4,967,000 | 5,156,000 | 6,646,000 | 6,624,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 737,000 | 1,554,000 | 2,366,000 | 3,215,000 |
| Interest expense | 282,000 | 547,000 | 797,000 | 1,063,000 |
| Net interest income | 455,000 | 1,007,000 | 1,569,000 | 2,152,000 |
| Noninterest income | 73,000 | 160,000 | 251,000 | 340,000 |
| Noninterest expense | 411,000 | 887,000 | 1,434,000 | 1,995,000 |
| Provision for loan losses | 0 | 18,000 | 283,000 | 343,000 |
| Pretax income | 117,000 | 262,000 | 103,000 | 199,000 |
| Income tax | 33,000 | 90,000 | 10,000 | 29,000 |
| Net income | 84,000 | 172,000 | 93,000 | 170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,988,000 | 5,076,000 | 6,498,000 | 6,494,000 |
| Total capital | 5,465,000 | 5,548,000 | 7,089,000 | 7,177,000 |
| Risk-weighted assets | 43,228,000 | 47,222,000 | 47,839,000 | 54,609,000 |