Call reports 2016
OAKWOOD BANK — 2016
What OAKWOOD BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 74,971,000 | 74,311,000 | 76,209,000 | 77,771,000 |
| Total loans | 60,971,000 | 58,859,000 | 63,134,000 | 61,534,000 |
| Allowance for loan losses | 767,000 | 766,000 | 772,000 | 701,000 |
| Securities available for sale | 4,392,000 | 4,367,000 | 3,825,000 | 3,778,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,502,000 | 65,803,000 | 66,545,000 | 68,506,000 |
| Interest-bearing deposits | 56,373,000 | 55,999,000 | 61,465,000 | 57,448,000 |
| Noninterest-bearing deposits | 10,129,000 | 9,804,000 | 5,080,000 | 11,058,000 |
| Equity capital | 8,225,000 | 8,375,000 | 8,468,000 | 8,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 863,000 | 1,752,000 | 2,626,000 | 3,531,000 |
| Interest expense | 145,000 | 287,000 | 433,000 | 582,000 |
| Net interest income | 718,000 | 1,465,000 | 2,193,000 | 2,949,000 |
| Noninterest income | 59,000 | 99,000 | 157,000 | 199,000 |
| Noninterest expense | 615,000 | 1,194,000 | 1,766,000 | 2,282,000 |
| Provision for loan losses | 0 | 0 | 0 | -70,000 |
| Pretax income | 162,000 | 370,000 | 584,000 | 936,000 |
| Income tax | 93,000 | 145,000 | 231,000 | 272,000 |
| Net income | 69,000 | 225,000 | 353,000 | 664,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,102,000 | 8,258,000 | 8,369,000 | 8,079,000 |
| Total capital | 8,852,000 | 8,987,000 | 9,141,000 | 8,780,000 |
| Risk-weighted assets | 60,011,000 | 58,290,000 | 62,353,000 | 61,877,000 |