Call reports 2009
FIRSTOAK BANK — 2009
What FIRSTOAK BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 78,538,000 | 81,101,000 | 85,033,000 | 78,298,000 |
| Total loans | 65,692,000 | 67,942,000 | 66,826,000 | 62,821,000 |
| Allowance for loan losses | 786,000 | 907,000 | 980,000 | 956,000 |
| Securities available for sale | 3,218,000 | 3,064,000 | 3,059,000 | 2,601,000 |
| Securities held to maturity | 0 | 300,000 | 300,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,773,000 | 65,142,000 | 68,842,000 | 62,088,000 |
| Interest-bearing deposits | 51,461,000 | 53,680,000 | 57,491,000 | 50,773,000 |
| Noninterest-bearing deposits | 10,312,000 | 11,462,000 | 11,351,000 | 11,315,000 |
| Equity capital | 7,530,000 | 7,536,000 | 7,739,000 | 7,842,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,211,000 | 2,466,000 | 3,676,000 | 4,860,000 |
| Interest expense | 308,000 | 607,000 | 898,000 | 1,168,000 |
| Net interest income | 903,000 | 1,859,000 | 2,778,000 | 3,692,000 |
| Noninterest income | 56,000 | 135,000 | 253,000 | 340,000 |
| Noninterest expense | 721,000 | 1,509,000 | 2,287,000 | 3,101,000 |
| Provision for loan losses | 25,000 | 145,000 | 275,000 | 360,000 |
| Pretax income | 213,000 | 340,000 | 469,000 | 571,000 |
| Income tax | -38,000 | -38,000 | -38,000 | -38,000 |
| Net income | 251,000 | 378,000 | 507,000 | 609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,125,000 | 7,108,000 | 7,216,000 | 7,369,000 |
| Total capital | 7,911,000 | 7,937,000 | 8,027,000 | 8,127,000 |
| Risk-weighted assets | 64,583,000 | 66,237,000 | 64,723,000 | 60,448,000 |