Call reports 2023
OAKSTAR BANK — 2023
What OAKSTAR BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 2,102,203,000 | 2,164,609,000 | 2,219,354,000 | 2,291,282,000 |
| Total loans | 1,751,804,000 | 1,787,979,000 | 1,850,426,000 | 1,932,403,000 |
| Allowance for loan losses | 22,665,000 | 23,580,000 | 24,282,000 | 24,403,000 |
| Securities available for sale | 122,207,000 | 121,022,000 | 119,461,000 | 112,878,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,801,378,000 | 1,865,489,000 | 1,939,347,000 | 1,985,056,000 |
| Interest-bearing deposits | 1,552,707,000 | 1,619,307,000 | 1,699,831,000 | 1,731,709,000 |
| Noninterest-bearing deposits | 248,671,000 | 246,182,000 | 239,516,000 | 253,347,000 |
| Equity capital | 199,325,000 | 202,310,000 | 204,846,000 | 209,599,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 24,779,000 | 51,243,000 | 80,260,000 | 111,076,000 |
| Interest expense | 8,899,000 | 20,359,000 | 34,316,000 | 49,532,000 |
| Net interest income | 15,880,000 | 30,884,000 | 45,944,000 | 61,544,000 |
| Noninterest income | 4,127,000 | 8,965,000 | 12,911,000 | 16,464,000 |
| Noninterest expense | 14,909,000 | 30,840,000 | 46,939,000 | 63,441,000 |
| Provision for loan losses | 1,507,000 | 3,090,000 | 4,065,000 | 4,949,000 |
| Pretax income | 3,591,000 | 5,919,000 | 8,446,000 | 10,280,000 |
| Income tax | -529,000 | -2,054,000 | -2,969,000 | -3,344,000 |
| Net income | 4,120,000 | 7,973,000 | 11,415,000 | 13,624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 193,494,000 | 197,197,000 | 200,478,000 | 203,803,000 |