Call reports 2005
FIRSTOAK BANK — 2005
What FIRSTOAK BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 45,648,000 | 49,045,000 | 49,093,000 | 47,814,000 |
| Total loans | 40,156,000 | 42,739,000 | 43,134,000 | 41,122,000 |
| Allowance for loan losses | 603,000 | 624,000 | 654,000 | 611,000 |
| Securities available for sale | 1,996,000 | 2,107,000 | 1,995,000 | 2,129,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,444,000 | 37,928,000 | 37,210,000 | 38,063,000 |
| Interest-bearing deposits | 28,872,000 | 28,935,000 | 28,850,000 | 29,798,000 |
| Noninterest-bearing deposits | 8,572,000 | 8,993,000 | 8,360,000 | 8,265,000 |
| Equity capital | 4,001,000 | 4,015,000 | 4,067,000 | 4,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 792,000 | 1,668,000 | 2,554,000 | 3,485,000 |
| Interest expense | 183,000 | 387,000 | 634,000 | 900,000 |
| Net interest income | 609,000 | 1,281,000 | 1,920,000 | 2,585,000 |
| Noninterest income | 84,000 | 170,000 | 267,000 | 361,000 |
| Noninterest expense | 472,000 | 996,000 | 1,537,000 | 2,207,000 |
| Provision for loan losses | 35,000 | 65,000 | 95,000 | 115,000 |
| Pretax income | 186,000 | 390,000 | 555,000 | 624,000 |
| Income tax | 2,000 | 10,000 | 19,000 | 25,000 |
| Net income | 184,000 | 380,000 | 536,000 | 599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,008,000 | 4,011,000 | 4,070,000 | 4,131,000 |
| Total capital | 4,495,000 | 4,541,000 | 4,609,000 | 4,652,000 |
| Risk-weighted assets | 38,810,000 | 42,319,000 | 43,000,000 | 41,617,000 |