Call reports 2010
OAKWOOD BANK — 2010
What OAKWOOD BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 59,450,000 | 61,095,000 | 62,031,000 | 65,946,000 |
| Total loans | 46,893,000 | 47,736,000 | 47,447,000 | 45,934,000 |
| Allowance for loan losses | 748,000 | 774,000 | 596,000 | 623,000 |
| Securities available for sale | 5,853,000 | 7,431,000 | 8,056,000 | 9,171,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,975,000 | 51,377,000 | 52,070,000 | 56,347,000 |
| Interest-bearing deposits | 44,624,000 | 47,118,000 | 47,755,000 | 50,921,000 |
| Noninterest-bearing deposits | 5,351,000 | 4,260,000 | 4,315,000 | 5,426,000 |
| Equity capital | 6,807,000 | 6,926,000 | 7,070,000 | 6,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 938,000 | 1,849,000 | 2,716,000 | 3,602,000 |
| Interest expense | 244,000 | 493,000 | 747,000 | 1,007,000 |
| Net interest income | 694,000 | 1,356,000 | 1,969,000 | 2,595,000 |
| Noninterest income | 76,000 | 140,000 | 200,000 | 277,000 |
| Noninterest expense | 480,000 | 1,009,000 | 1,544,000 | 2,102,000 |
| Provision for loan losses | 36,000 | 72,000 | 162,000 | 222,000 |
| Pretax income | 254,000 | 492,000 | 540,000 | 625,000 |
| Income tax | 85,000 | 150,000 | 159,000 | 237,000 |
| Net income | 169,000 | 342,000 | 381,000 | 388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,643,000 | 6,783,000 | 6,802,000 | 6,699,000 |
| Total capital | 7,351,000 | 7,488,000 | 7,398,000 | 7,322,000 |
| Risk-weighted assets | 56,351,000 | 56,773,000 | 58,710,000 | 55,804,000 |