Call reports 2008
OAKSTAR BANK — 2008
What OAKSTAR BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 85,006,000 | 96,279,000 | 99,436,000 | 110,391,000 |
| Total loans | 70,688,000 | 81,159,000 | 82,719,000 | 94,611,000 |
| Allowance for loan losses | 836,000 | 966,000 | 1,263,000 | 1,443,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,228,000 | 842,000 | 321,000 | 221,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,792,000 | 75,447,000 | 80,992,000 | 90,542,000 |
| Interest-bearing deposits | 60,167,000 | 64,038,000 | 67,591,000 | 82,148,000 |
| Noninterest-bearing deposits | 10,625,000 | 11,409,000 | 13,401,000 | 8,394,000 |
| Equity capital | 8,004,000 | 9,660,000 | 10,332,000 | 11,225,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,191,000 | 2,414,000 | 3,764,000 | 5,158,000 |
| Interest expense | 576,000 | 1,191,000 | 1,801,000 | 2,395,000 |
| Net interest income | 615,000 | 1,223,000 | 1,963,000 | 2,763,000 |
| Noninterest income | 268,000 | 564,000 | 860,000 | 1,157,000 |
| Noninterest expense | 885,000 | 1,828,000 | 2,839,000 | 3,950,000 |
| Provision for loan losses | 105,000 | 410,000 | 713,000 | 1,135,000 |
| Pretax income | -107,000 | -451,000 | -729,000 | -1,165,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -107,000 | -451,000 | -729,000 | -1,165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,004,000 | 9,660,000 | 10,332,000 | 11,225,000 |
| Total capital | 8,840,000 | 10,626,000 | 11,428,000 | 12,462,000 |
| Risk-weighted assets | 73,500,000 | 85,700,000 | 87,496,000 | 98,787,000 |