Call reports 2006
OAKSTAR BANK — 2006
What OAKSTAR BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 31,092,000 | 37,675,000 | 41,098,000 | 40,220,000 |
| Total loans | 13,212,000 | 22,108,000 | 27,831,000 | 34,265,000 |
| Allowance for loan losses | 169,000 | 282,000 | 363,000 | 388,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,582,000 | 27,395,000 | 30,890,000 | 30,205,000 |
| Interest-bearing deposits | 18,005,000 | 22,411,000 | 26,315,000 | 25,776,000 |
| Noninterest-bearing deposits | 2,577,000 | 4,984,000 | 4,575,000 | 4,429,000 |
| Equity capital | 9,186,000 | 8,910,000 | 8,756,000 | 8,609,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 311,000 | 808,000 | 1,435,000 | 2,160,000 |
| Interest expense | 135,000 | 385,000 | 668,000 | 1,008,000 |
| Net interest income | 176,000 | 423,000 | 767,000 | 1,152,000 |
| Noninterest income | 49,000 | 144,000 | 325,000 | 508,000 |
| Noninterest expense | 447,000 | 952,000 | 1,550,000 | 2,239,000 |
| Provision for loan losses | 93,000 | 206,000 | 287,000 | 312,000 |
| Pretax income | -315,000 | -591,000 | -745,000 | -891,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -315,000 | -591,000 | -745,000 | -891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,186,000 | 8,910,000 | 8,756,000 | 8,609,000 |
| Total capital | 9,355,000 | 9,192,000 | 9,119,000 | 8,997,000 |
| Risk-weighted assets | 19,703,000 | 26,541,000 | 32,720,000 | 38,060,000 |