Call reports 2016
FIRSTOAK BANK — 2016
What FIRSTOAK BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 108,435,000 | 114,125,000 | 116,406,000 | 113,281,000 |
| Total loans | 84,342,000 | 92,604,000 | 91,747,000 | 91,758,000 |
| Allowance for loan losses | 1,208,000 | 1,266,000 | 1,335,000 | 1,299,000 |
| Securities available for sale | 5,918,000 | 6,337,000 | 5,951,000 | 5,986,000 |
| Securities held to maturity | 300,000 | 300,000 | 300,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,381,000 | 102,944,000 | 104,670,000 | 101,389,000 |
| Interest-bearing deposits | 68,996,000 | 71,675,000 | 72,865,000 | 69,486,000 |
| Noninterest-bearing deposits | 28,385,000 | 31,269,000 | 31,805,000 | 31,903,000 |
| Equity capital | 10,166,000 | 10,298,000 | 10,761,000 | 10,984,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,384,000 | 2,915,000 | 4,530,000 | 6,102,000 |
| Interest expense | 64,000 | 111,000 | 160,000 | 207,000 |
| Net interest income | 1,320,000 | 2,804,000 | 4,370,000 | 5,895,000 |
| Noninterest income | 102,000 | 209,000 | 316,000 | 447,000 |
| Noninterest expense | 1,083,000 | 2,066,000 | 3,032,000 | 4,251,000 |
| Provision for loan losses | 20,000 | 50,000 | 75,000 | 75,000 |
| Pretax income | 319,000 | 897,000 | 1,580,000 | 2,015,000 |
| Income tax | 7,000 | 1,000 | 25,000 | 34,000 |
| Net income | 312,000 | 896,000 | 1,555,000 | 1,981,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,103,000 | 10,193,000 | 10,688,000 | 10,998,000 |
| Total capital | 11,272,000 | 11,453,000 | 11,937,000 | 12,144,000 |
| Risk-weighted assets | 93,560,000 | 100,843,000 | 99,887,000 | 91,549,000 |