Call reports 2007
FIRSTOAK BANK — 2007
What FIRSTOAK BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 69,492,000 | 75,871,000 | 78,776,000 | 78,249,000 |
| Total loans | 60,923,000 | 66,222,000 | 67,175,000 | 66,149,000 |
| Allowance for loan losses | 704,000 | 746,000 | 829,000 | 833,000 |
| Securities available for sale | 2,721,000 | 2,839,000 | 3,510,000 | 3,569,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,364,000 | 54,263,000 | 60,238,000 | 62,354,000 |
| Interest-bearing deposits | 47,026,000 | 44,929,000 | 51,257,000 | 50,894,000 |
| Noninterest-bearing deposits | 9,338,000 | 9,334,000 | 8,981,000 | 11,460,000 |
| Equity capital | 7,043,000 | 7,145,000 | 7,228,000 | 7,432,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,452,000 | 3,000,000 | 4,629,000 | 6,233,000 |
| Interest expense | 521,000 | 1,073,000 | 1,717,000 | 2,318,000 |
| Net interest income | 931,000 | 1,927,000 | 2,912,000 | 3,915,000 |
| Noninterest income | 97,000 | 183,000 | 271,000 | 353,000 |
| Noninterest expense | 654,000 | 1,328,000 | 2,112,000 | 3,002,000 |
| Provision for loan losses | 60,000 | 95,000 | 95,000 | 115,000 |
| Pretax income | 314,000 | 687,000 | 976,000 | 1,151,000 |
| Income tax | -2,000 | 16,000 | 24,000 | 32,000 |
| Net income | 316,000 | 671,000 | 952,000 | 1,119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,571,000 | 6,698,000 | 6,753,000 | 6,950,000 |
| Total capital | 7,275,000 | 7,444,000 | 7,582,000 | 7,783,000 |
| Risk-weighted assets | 62,650,000 | 68,706,000 | 70,343,000 | 67,596,000 |