Call reports 2009
OAKSTAR BANK — 2009
What OAKSTAR BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 130,209,000 | 141,249,000 | 155,745,000 | 156,409,000 |
| Total loans | 100,846,000 | 114,347,000 | 116,135,000 | 114,143,000 |
| Allowance for loan losses | 1,512,000 | 1,737,000 | 2,380,000 | 2,350,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 70,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,994,000 | 120,428,000 | 132,501,000 | 131,786,000 |
| Interest-bearing deposits | 99,203,000 | 108,918,000 | 119,828,000 | 118,655,000 |
| Noninterest-bearing deposits | 11,791,000 | 11,510,000 | 12,673,000 | 13,132,000 |
| Equity capital | 11,986,000 | 13,921,000 | 16,535,000 | 18,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,488,000 | 3,196,000 | 5,017,000 | 6,808,000 |
| Interest expense | 694,000 | 1,474,000 | 2,227,000 | 2,917,000 |
| Net interest income | 794,000 | 1,722,000 | 2,790,000 | 3,891,000 |
| Noninterest income | 317,000 | 723,000 | 1,055,000 | 1,346,000 |
| Noninterest expense | 1,167,000 | 2,894,000 | 4,282,000 | 5,645,000 |
| Provision for loan losses | 169,000 | 540,000 | 1,189,000 | 1,189,000 |
| Pretax income | -225,000 | -989,000 | -1,626,000 | -1,597,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -225,000 | -989,000 | -1,626,000 | -1,597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,986,000 | 13,921,000 | 16,535,000 | 18,064,000 |
| Total capital | 13,285,000 | 15,348,000 | 18,020,000 | 19,526,000 |
| Risk-weighted assets | 103,715,000 | 113,084,000 | 117,873,000 | 118,370,000 |