Call reports 2023
OAKWOOD BANK — 2023
What OAKWOOD BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 116,727,000 | 123,425,000 | 124,987,000 | 130,575,000 |
| Total loans | 100,028,000 | 104,722,000 | 106,661,000 | 107,211,000 |
| Allowance for loan losses | 900,000 | 927,000 | 925,000 | 956,000 |
| Securities available for sale | 1,934,000 | 1,906,000 | 1,773,000 | 1,677,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,174,000 | 95,584,000 | 96,507,000 | 99,926,000 |
| Interest-bearing deposits | 85,646,000 | 89,347,000 | 90,548,000 | 92,980,000 |
| Noninterest-bearing deposits | 5,528,000 | 6,237,000 | 5,959,000 | 6,946,000 |
| Equity capital | 14,360,000 | 14,557,000 | 15,117,000 | 15,286,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,438,000 | 2,989,000 | 4,693,000 | 6,561,000 |
| Interest expense | 408,000 | 940,000 | 1,593,000 | 2,336,000 |
| Net interest income | 1,030,000 | 2,049,000 | 3,100,000 | 4,225,000 |
| Noninterest income | 43,000 | 80,000 | 107,000 | 139,000 |
| Noninterest expense | 682,000 | 1,352,000 | 1,998,000 | 2,965,000 |
| Provision for loan losses | -23,000 | 3,000 | 1,000 | 50,000 |
| Pretax income | 418,000 | 780,000 | 1,215,000 | 1,362,000 |
| Income tax | 34,000 | 58,000 | 83,000 | 108,000 |
| Net income | 384,000 | 722,000 | 1,132,000 | 1,254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,882,000 | 10,127,000 | 10,832,000 | 10,839,000 |
| Total capital | 10,782,000 | 11,054,000 | 11,757,000 | 11,795,000 |
| Risk-weighted assets | 101,333,000 | 105,698,000 | 107,215,000 | 102,933,000 |