Call reports 2010
FIRSTOAK BANK — 2010
What FIRSTOAK BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 79,460,000 | 84,375,000 | 83,793,000 | 82,807,000 |
| Total loans | 65,614,000 | 67,140,000 | 65,373,000 | 63,799,000 |
| Allowance for loan losses | 983,000 | 1,093,000 | 1,037,000 | 1,020,000 |
| Securities available for sale | 2,603,000 | 2,421,000 | 2,611,000 | 2,450,000 |
| Securities held to maturity | 300,000 | 300,000 | 300,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,071,000 | 67,828,000 | 66,961,000 | 65,986,000 |
| Interest-bearing deposits | 50,489,000 | 55,318,000 | 55,512,000 | 54,089,000 |
| Noninterest-bearing deposits | 12,582,000 | 12,510,000 | 11,449,000 | 11,897,000 |
| Equity capital | 7,985,000 | 8,115,000 | 8,358,000 | 8,393,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,160,000 | 2,413,000 | 3,645,000 | 4,849,000 |
| Interest expense | 242,000 | 475,000 | 706,000 | 922,000 |
| Net interest income | 918,000 | 1,938,000 | 2,939,000 | 3,927,000 |
| Noninterest income | 101,000 | 212,000 | 319,000 | 406,000 |
| Noninterest expense | 729,000 | 1,464,000 | 2,239,000 | 3,169,000 |
| Provision for loan losses | 65,000 | 75,000 | 75,000 | 85,000 |
| Pretax income | 225,000 | 611,000 | 944,000 | 1,079,000 |
| Income tax | 4,000 | 5,000 | 12,000 | 14,000 |
| Net income | 221,000 | 606,000 | 932,000 | 1,065,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,508,000 | 7,619,000 | 7,813,000 | 7,917,000 |
| Total capital | 8,307,000 | 8,511,000 | 8,697,000 | 8,699,000 |
| Risk-weighted assets | 63,714,000 | 71,591,000 | 71,486,000 | 68,422,000 |