Call reports 2013
OAKWOOD BANK — 2013
What OAKWOOD BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 68,903,000 | 72,862,000 | 72,673,000 | 74,033,000 |
| Total loans | 52,960,000 | 56,570,000 | 59,108,000 | 57,772,000 |
| Allowance for loan losses | 796,000 | 805,000 | 864,000 | 819,000 |
| Securities available for sale | 8,057,000 | 7,859,000 | 6,956,000 | 6,939,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,657,000 | 64,621,000 | 64,185,000 | 65,393,000 |
| Interest-bearing deposits | 55,127,000 | 58,517,000 | 58,618,000 | 59,173,000 |
| Noninterest-bearing deposits | 5,530,000 | 6,104,000 | 5,567,000 | 6,220,000 |
| Equity capital | 7,881,000 | 7,941,000 | 8,133,000 | 8,290,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 890,000 | 1,812,000 | 2,793,000 | 3,755,000 |
| Interest expense | 153,000 | 303,000 | 459,000 | 616,000 |
| Net interest income | 737,000 | 1,509,000 | 2,334,000 | 3,139,000 |
| Noninterest income | 81,000 | 122,000 | 169,000 | 199,000 |
| Noninterest expense | 457,000 | 939,000 | 1,437,000 | 2,012,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 200,000 |
| Pretax income | 301,000 | 572,000 | 886,000 | 1,126,000 |
| Income tax | 111,000 | 205,000 | 333,000 | 422,000 |
| Net income | 190,000 | 367,000 | 553,000 | 704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,470,000 | 7,636,000 | 7,809,000 | 7,959,000 |
| Total capital | 8,092,000 | 8,282,000 | 8,453,000 | 8,591,000 |
| Risk-weighted assets | 49,616,000 | 50,796,000 | 51,324,000 | 51,511,000 |