Call reports 2010
OAKSTAR BANK — 2010
What OAKSTAR BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 158,991,000 | 168,556,000 | 174,807,000 | 166,520,000 |
| Total loans | 120,473,000 | 123,035,000 | 129,114,000 | 133,991,000 |
| Allowance for loan losses | 2,398,000 | 2,527,000 | 2,545,000 | 2,490,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,775,000 | 135,655,000 | 150,578,000 | 142,102,000 |
| Interest-bearing deposits | 109,303,000 | 120,144,000 | 132,435,000 | 127,224,000 |
| Noninterest-bearing deposits | 14,472,000 | 15,511,000 | 18,143,000 | 14,878,000 |
| Equity capital | 18,106,000 | 18,285,000 | 18,554,000 | 18,805,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,830,000 | 3,736,000 | 5,673,000 | 7,551,000 |
| Interest expense | 580,000 | 1,133,000 | 1,677,000 | 2,188,000 |
| Net interest income | 1,250,000 | 2,603,000 | 3,996,000 | 5,363,000 |
| Noninterest income | 400,000 | 1,139,000 | 2,101,000 | 3,362,000 |
| Noninterest expense | 1,412,000 | 3,065,000 | 4,970,000 | 7,141,000 |
| Provision for loan losses | 196,000 | 456,000 | 638,000 | 843,000 |
| Pretax income | 42,000 | 221,000 | 489,000 | 741,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 42,000 | 221,000 | 489,000 | 741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,106,000 | 18,285,000 | 18,554,000 | 18,805,000 |
| Total capital | 19,648,000 | 19,857,000 | 20,180,000 | 20,418,000 |
| Risk-weighted assets | 122,452,000 | 124,768,000 | 130,098,000 | 130,151,000 |