Call reports 2014
OAKWOOD BANK — 2014
What OAKWOOD BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 76,054,000 | 75,543,000 | 75,495,000 | 76,972,000 |
| Total loans | 57,414,000 | 59,466,000 | 59,992,000 | 59,290,000 |
| Allowance for loan losses | 839,000 | 869,000 | 924,000 | 947,000 |
| Securities available for sale | 6,909,000 | 6,885,000 | 6,810,000 | 6,715,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,829,000 | 67,277,000 | 67,141,000 | 68,598,000 |
| Interest-bearing deposits | 62,262,000 | 61,681,000 | 61,834,000 | 62,654,000 |
| Noninterest-bearing deposits | 5,567,000 | 5,597,000 | 5,307,000 | 5,944,000 |
| Equity capital | 7,916,000 | 8,068,000 | 8,201,000 | 8,297,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 921,000 | 1,835,000 | 2,803,000 | 3,740,000 |
| Interest expense | 155,000 | 313,000 | 471,000 | 630,000 |
| Net interest income | 766,000 | 1,522,000 | 2,332,000 | 3,110,000 |
| Noninterest income | 38,000 | 114,000 | 167,000 | 211,000 |
| Noninterest expense | 572,000 | 1,119,000 | 1,643,000 | 2,200,000 |
| Provision for loan losses | 20,000 | 50,000 | 100,000 | 100,000 |
| Pretax income | 212,000 | 467,000 | 756,000 | 1,021,000 |
| Income tax | 77,000 | 166,000 | 241,000 | 357,000 |
| Net income | 135,000 | 301,000 | 515,000 | 664,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,589,000 | 7,742,000 | 7,910,000 | 8,062,000 |
| Total capital | 8,210,000 | 8,402,000 | 8,566,000 | 8,720,000 |
| Risk-weighted assets | 52,192,000 | 52,586,000 | 52,287,000 | 52,358,000 |