Call reports 2006
FIRSTOAK BANK — 2006
What FIRSTOAK BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 51,246,000 | 56,316,000 | 60,793,000 | 63,677,000 |
| Total loans | 44,385,000 | 48,696,000 | 52,545,000 | 54,929,000 |
| Allowance for loan losses | 651,000 | 705,000 | 721,000 | 757,000 |
| Securities available for sale | 2,120,000 | 2,245,000 | 2,475,000 | 2,471,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,046,000 | 42,939,000 | 43,394,000 | 45,866,000 |
| Interest-bearing deposits | 30,601,000 | 33,741,000 | 34,271,000 | 36,752,000 |
| Noninterest-bearing deposits | 9,445,000 | 9,198,000 | 9,123,000 | 9,114,000 |
| Equity capital | 4,283,000 | 6,705,000 | 6,787,000 | 6,919,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,010,000 | 2,182,000 | 3,432,000 | 4,769,000 |
| Interest expense | 267,000 | 593,000 | 973,000 | 1,407,000 |
| Net interest income | 743,000 | 1,589,000 | 2,459,000 | 3,362,000 |
| Noninterest income | 87,000 | 173,000 | 251,000 | 353,000 |
| Noninterest expense | 536,000 | 1,108,000 | 1,722,000 | 2,510,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 264,000 | 594,000 | 898,000 | 1,085,000 |
| Income tax | 1,000 | 16,000 | 29,000 | 36,000 |
| Net income | 263,000 | 578,000 | 869,000 | 1,049,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,300,000 | 6,260,000 | 6,312,000 | 6,444,000 |
| Total capital | 4,867,000 | 6,888,000 | 6,989,000 | 7,148,000 |
| Risk-weighted assets | 45,299,000 | 50,160,000 | 54,143,000 | 56,295,000 |