Call reports 2012
FIRSTOAK BANK — 2012
What FIRSTOAK BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 85,005,000 | 88,158,000 | 88,330,000 | 85,198,000 |
| Total loans | 66,323,000 | 67,932,000 | 67,051,000 | 66,501,000 |
| Allowance for loan losses | 1,050,000 | 1,039,000 | 1,143,000 | 1,038,000 |
| Securities available for sale | 4,299,000 | 4,293,000 | 4,243,000 | 3,905,000 |
| Securities held to maturity | 300,000 | 300,000 | 300,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,712,000 | 70,824,000 | 70,833,000 | 67,434,000 |
| Interest-bearing deposits | 52,291,000 | 55,046,000 | 54,556,000 | 50,824,000 |
| Noninterest-bearing deposits | 15,421,000 | 15,778,000 | 16,277,000 | 16,610,000 |
| Equity capital | 8,815,000 | 8,824,000 | 8,953,000 | 9,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,159,000 | 2,398,000 | 3,623,000 | 4,870,000 |
| Interest expense | 134,000 | 258,000 | 373,000 | 480,000 |
| Net interest income | 1,025,000 | 2,140,000 | 3,250,000 | 4,390,000 |
| Noninterest income | 99,000 | 197,000 | 300,000 | 460,000 |
| Noninterest expense | 806,000 | 1,642,000 | 2,481,000 | 3,456,000 |
| Provision for loan losses | 145,000 | 325,000 | 460,000 | 507,000 |
| Pretax income | 173,000 | 370,000 | 609,000 | 887,000 |
| Income tax | 2,000 | 14,000 | 5,000 | 8,000 |
| Net income | 171,000 | 356,000 | 604,000 | 879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,230,000 | 8,207,000 | 8,331,000 | 8,643,000 |
| Total capital | 9,137,000 | 9,143,000 | 9,239,000 | 9,525,000 |
| Risk-weighted assets | 72,456,000 | 74,842,000 | 72,773,000 | 70,784,000 |