Call reports 2003
FIRSTOAK BANK — 2003
What FIRSTOAK BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 41,267,000 | 44,377,000 | 42,301,000 | 42,700,000 |
| Total loans | 34,279,000 | 38,905,000 | 36,650,000 | 37,392,000 |
| Allowance for loan losses | 550,000 | 585,000 | 609,000 | 634,000 |
| Securities available for sale | 2,599,000 | 2,004,000 | 1,975,000 | 2,023,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,060,000 | 32,265,000 | 35,598,000 | 35,659,000 |
| Interest-bearing deposits | 27,155,000 | 26,746,000 | 28,740,000 | 28,902,000 |
| Noninterest-bearing deposits | 6,905,000 | 5,519,000 | 6,858,000 | 6,757,000 |
| Equity capital | 3,610,000 | 3,495,000 | 3,581,000 | 3,687,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 756,000 | 1,507,000 | 2,295,000 | 3,046,000 |
| Interest expense | 188,000 | 368,000 | 551,000 | 720,000 |
| Net interest income | 568,000 | 1,139,000 | 1,744,000 | 2,326,000 |
| Noninterest income | 72,000 | 160,000 | 248,000 | 343,000 |
| Noninterest expense | 387,000 | 796,000 | 1,285,000 | 1,822,000 |
| Provision for loan losses | 70,000 | 105,000 | 130,000 | 150,000 |
| Pretax income | 183,000 | 398,000 | 577,000 | 697,000 |
| Income tax | 2,000 | 10,000 | 17,000 | 24,000 |
| Net income | 181,000 | 388,000 | 560,000 | 673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,508,000 | 3,411,000 | 3,524,000 | 3,636,000 |
| Total capital | 3,923,000 | 3,882,000 | 3,977,000 | 4,098,000 |
| Risk-weighted assets | 33,072,000 | 37,599,000 | 36,074,000 | 36,770,000 |