Call reports 2004
FIRSTOAK BANK — 2004
What FIRSTOAK BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 44,031,000 | 45,487,000 | 46,326,000 | 43,751,000 |
| Total loans | 39,184,000 | 40,535,000 | 40,875,000 | 38,644,000 |
| Allowance for loan losses | 687,000 | 694,000 | 719,000 | 568,000 |
| Securities available for sale | 2,129,000 | 2,069,000 | 2,083,000 | 1,817,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,405,000 | 36,726,000 | 35,500,000 | 34,711,000 |
| Interest-bearing deposits | 27,731,000 | 25,546,000 | 24,711,000 | 23,810,000 |
| Noninterest-bearing deposits | 8,674,000 | 11,180,000 | 10,789,000 | 10,901,000 |
| Equity capital | 3,786,000 | 3,676,000 | 3,769,000 | 3,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 735,000 | 1,511,000 | 2,275,000 | 3,085,000 |
| Interest expense | 158,000 | 320,000 | 486,000 | 673,000 |
| Net interest income | 577,000 | 1,191,000 | 1,789,000 | 2,412,000 |
| Noninterest income | 70,000 | 161,000 | 240,000 | 321,000 |
| Noninterest expense | 457,000 | 907,000 | 1,375,000 | 1,943,000 |
| Provision for loan losses | 45,000 | 60,000 | 95,000 | 145,000 |
| Pretax income | 145,000 | 385,000 | 559,000 | 645,000 |
| Income tax | 0 | 15,000 | 23,000 | 30,000 |
| Net income | 145,000 | 370,000 | 536,000 | 615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,722,000 | 3,670,000 | 3,744,000 | 3,823,000 |
| Total capital | 4,204,000 | 4,167,000 | 4,243,000 | 4,301,000 |
| Risk-weighted assets | 38,332,000 | 39,541,000 | 39,727,000 | 38,155,000 |