Call reports 2015
FIRSTOAK BANK — 2015
What FIRSTOAK BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 101,018,000 | 100,010,000 | 102,341,000 | 111,118,000 |
| Total loans | 77,161,000 | 81,418,000 | 82,070,000 | 82,283,000 |
| Allowance for loan losses | 1,117,000 | 1,050,000 | 1,109,000 | 1,131,000 |
| Securities available for sale | 5,694,000 | 5,325,000 | 5,306,000 | 5,415,000 |
| Securities held to maturity | 527,000 | 526,000 | 300,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,016,000 | 83,987,000 | 85,937,000 | 95,283,000 |
| Interest-bearing deposits | 64,051,000 | 59,151,000 | 60,706,000 | 67,491,000 |
| Noninterest-bearing deposits | 20,965,000 | 24,836,000 | 25,231,000 | 27,792,000 |
| Equity capital | 10,144,000 | 10,217,000 | 10,495,000 | 10,003,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,240,000 | 2,612,000 | 4,022,000 | 5,450,000 |
| Interest expense | 73,000 | 146,000 | 223,000 | 297,000 |
| Net interest income | 1,167,000 | 2,466,000 | 3,799,000 | 5,153,000 |
| Noninterest income | 101,000 | 202,000 | 325,000 | 427,000 |
| Noninterest expense | 898,000 | 1,820,000 | 2,764,000 | 4,347,000 |
| Provision for loan losses | 30,000 | 55,000 | 120,000 | 140,000 |
| Pretax income | 340,000 | 802,000 | 1,249,000 | 1,102,000 |
| Income tax | 7,000 | -6,000 | 14,000 | 20,000 |
| Net income | 333,000 | 808,000 | 1,235,000 | 1,082,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,872,000 | 10,001,000 | 10,276,000 | 9,956,000 |
| Total capital | 10,968,000 | 11,051,000 | 11,364,000 | 11,087,000 |
| Risk-weighted assets | 87,692,000 | 86,885,000 | 87,006,000 | 91,049,000 |