Call reports 2012
OAKWOOD BANK — 2012
What OAKWOOD BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 65,810,000 | 66,497,000 | 66,271,000 | 71,720,000 |
| Total loans | 45,882,000 | 50,727,000 | 50,671,000 | 54,155,000 |
| Allowance for loan losses | 740,000 | 647,000 | 690,000 | 736,000 |
| Securities available for sale | 9,182,000 | 8,826,000 | 8,991,000 | 8,583,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,384,000 | 58,965,000 | 58,291,000 | 62,500,000 |
| Interest-bearing deposits | 49,402,000 | 54,161,000 | 53,532,000 | 56,287,000 |
| Noninterest-bearing deposits | 8,982,000 | 4,804,000 | 4,759,000 | 6,213,000 |
| Equity capital | 7,224,000 | 7,296,000 | 7,605,000 | 7,684,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 792,000 | 1,689,000 | 2,583,000 | 3,505,000 |
| Interest expense | 196,000 | 369,000 | 527,000 | 681,000 |
| Net interest income | 596,000 | 1,320,000 | 2,056,000 | 2,824,000 |
| Noninterest income | 14,000 | 63,000 | 194,000 | 265,000 |
| Noninterest expense | 493,000 | 1,039,000 | 1,568,000 | 1,972,000 |
| Provision for loan losses | 0 | 73,000 | 118,000 | 163,000 |
| Pretax income | 117,000 | 271,000 | 564,000 | 954,000 |
| Income tax | 36,000 | 81,000 | 182,000 | 341,000 |
| Net income | 81,000 | 190,000 | 382,000 | 613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,963,000 | 7,053,000 | 7,228,000 | 7,285,000 |
| Total capital | 7,502,000 | 7,680,000 | 7,828,000 | 7,925,000 |
| Risk-weighted assets | 46,467,000 | 50,175,000 | 47,973,000 | 51,101,000 |