Call reports 2013
OAKSTAR BANK — 2013
What OAKSTAR BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 220,460,000 | 238,735,000 | 249,260,000 | 259,906,000 |
| Total loans | 185,365,000 | 200,841,000 | 201,642,000 | 210,659,000 |
| Allowance for loan losses | 2,922,000 | 3,169,000 | 3,299,000 | 3,490,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,941,000 | 199,827,000 | 209,936,000 | 219,912,000 |
| Interest-bearing deposits | 159,843,000 | 174,132,000 | 185,468,000 | 193,076,000 |
| Noninterest-bearing deposits | 23,098,000 | 25,695,000 | 24,468,000 | 26,836,000 |
| Equity capital | 24,377,000 | 24,965,000 | 25,458,000 | 26,070,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,065,000 | 4,252,000 | 6,507,000 | 8,954,000 |
| Interest expense | 301,000 | 598,000 | 894,000 | 1,196,000 |
| Net interest income | 1,764,000 | 3,654,000 | 5,613,000 | 7,758,000 |
| Noninterest income | 1,723,000 | 3,685,000 | 5,044,000 | 6,436,000 |
| Noninterest expense | 2,542,000 | 5,233,000 | 7,645,000 | 10,086,000 |
| Provision for loan losses | 103,000 | 356,000 | 508,000 | 699,000 |
| Pretax income | 842,000 | 1,750,000 | 2,504,000 | 3,409,000 |
| Income tax | 294,000 | 614,000 | 875,000 | 1,168,000 |
| Net income | 548,000 | 1,136,000 | 1,629,000 | 2,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,377,000 | 24,965,000 | 25,458,000 | 26,070,000 |
| Total capital | 26,689,000 | 27,426,000 | 27,958,000 | 28,670,000 |
| Risk-weighted assets | 186,170,000 | 196,153,000 | 200,512,000 | 208,265,000 |