Call reports 2015
OAKWOOD BANK — 2015
What OAKWOOD BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 77,744,000 | 79,208,000 | 74,072,000 | 76,347,000 |
| Total loans | 59,519,000 | 59,790,000 | 58,754,000 | 58,996,000 |
| Allowance for loan losses | 947,000 | 923,000 | 899,000 | 769,000 |
| Securities available for sale | 7,195,000 | 7,116,000 | 5,560,000 | 4,989,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,258,000 | 70,608,000 | 65,868,000 | 67,982,000 |
| Interest-bearing deposits | 62,817,000 | 62,514,000 | 61,315,000 | 62,626,000 |
| Noninterest-bearing deposits | 6,441,000 | 8,094,000 | 4,553,000 | 5,356,000 |
| Equity capital | 8,350,000 | 8,416,000 | 8,022,000 | 8,172,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 912,000 | 1,861,000 | 2,805,000 | 3,717,000 |
| Interest expense | 153,000 | 306,000 | 454,000 | 603,000 |
| Net interest income | 759,000 | 1,555,000 | 2,351,000 | 3,114,000 |
| Noninterest income | 36,000 | 73,000 | 115,000 | 136,000 |
| Noninterest expense | 703,000 | 1,310,000 | 1,938,000 | 2,543,000 |
| Provision for loan losses | 0 | 0 | 0 | -129,000 |
| Pretax income | 92,000 | 318,000 | 532,000 | 840,000 |
| Income tax | 29,000 | 124,000 | 183,000 | 306,000 |
| Net income | 63,000 | 194,000 | 349,000 | 534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,121,000 | 8,224,000 | 7,848,000 | 8,034,000 |
| Total capital | 8,790,000 | 8,912,000 | 8,526,000 | 8,737,000 |
| Risk-weighted assets | 53,289,000 | 54,808,000 | 53,984,000 | 56,192,000 |
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