Call reports 2014
OAKSTAR BANK — 2014
What OAKSTAR BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 275,001,000 | 283,805,000 | 307,081,000 | 329,263,000 |
| Total loans | 224,143,000 | 248,818,000 | 276,498,000 | 285,300,000 |
| Allowance for loan losses | 3,609,000 | 3,955,000 | 4,356,000 | 4,521,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,568,000 | 247,085,000 | 264,667,000 | 286,539,000 |
| Interest-bearing deposits | 206,460,000 | 220,016,000 | 236,851,000 | 255,537,000 |
| Noninterest-bearing deposits | 28,108,000 | 27,069,000 | 27,816,000 | 31,002,000 |
| Equity capital | 26,542,000 | 27,629,000 | 28,338,000 | 28,990,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,587,000 | 5,249,000 | 8,167,000 | 11,183,000 |
| Interest expense | 318,000 | 650,000 | 1,011,000 | 1,411,000 |
| Net interest income | 2,269,000 | 4,599,000 | 7,156,000 | 9,772,000 |
| Noninterest income | 1,109,000 | 2,625,000 | 4,285,000 | 5,825,000 |
| Noninterest expense | 2,542,000 | 5,155,000 | 7,913,000 | 10,776,000 |
| Provision for loan losses | 122,000 | 473,000 | 859,000 | 1,054,000 |
| Pretax income | 714,000 | 1,596,000 | 2,669,000 | 3,767,000 |
| Income tax | 243,000 | 537,000 | 901,000 | 1,347,000 |
| Net income | 471,000 | 1,059,000 | 1,768,000 | 2,420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,542,000 | 27,629,000 | 28,338,000 | 28,990,000 |
| Total capital | 29,266,000 | 30,486,000 | 31,585,000 | 32,341,000 |
| Risk-weighted assets | 218,169,000 | 228,907,000 | 258,655,000 | 266,870,000 |