Call reports 2007
OAKSTAR BANK — 2007
What OAKSTAR BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 50,966,000 | 61,393,000 | 68,476,000 | 76,367,000 |
| Total loans | 41,612,000 | 53,773,000 | 57,179,000 | 65,216,000 |
| Allowance for loan losses | 445,000 | 550,000 | 715,000 | 835,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 500,000 | 1,000,000 | 1,000,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,028,000 | 49,654,000 | 58,576,000 | 62,040,000 |
| Interest-bearing deposits | 35,603,000 | 42,522,000 | 50,179,000 | 51,874,000 |
| Noninterest-bearing deposits | 5,425,000 | 7,132,000 | 8,397,000 | 10,166,000 |
| Equity capital | 8,475,000 | 8,334,000 | 8,190,000 | 8,110,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 823,000 | 1,822,000 | 3,040,000 | 4,252,000 |
| Interest expense | 394,000 | 868,000 | 1,481,000 | 2,081,000 |
| Net interest income | 429,000 | 954,000 | 1,559,000 | 2,171,000 |
| Noninterest income | 184,000 | 422,000 | 619,000 | 760,000 |
| Noninterest expense | 691,000 | 1,489,000 | 2,271,000 | 2,983,000 |
| Provision for loan losses | 57,000 | 162,000 | 327,000 | 447,000 |
| Pretax income | -135,000 | -275,000 | -420,000 | -499,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -135,000 | -275,000 | -420,000 | -499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,475,000 | 8,334,000 | 8,190,000 | 8,110,000 |
| Total capital | 8,920,000 | 8,884,000 | 8,905,000 | 8,945,000 |
| Risk-weighted assets | 45,380,000 | 54,415,000 | 59,585,000 | 67,862,000 |