Call reports 2019
FIRSTOAK BANK — 2019
What FIRSTOAK BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 183,678,000 | 179,314,000 | 180,425,000 | 186,144,000 |
| Total loans | 137,678,000 | 136,438,000 | 136,383,000 | 135,894,000 |
| Allowance for loan losses | 1,558,000 | 1,615,000 | 1,682,000 | 1,549,000 |
| Securities available for sale | 13,239,000 | 13,188,000 | 12,243,000 | 13,589,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,786,000 | 156,980,000 | 159,290,000 | 164,624,000 |
| Interest-bearing deposits | 119,650,000 | 111,837,000 | 116,477,000 | 122,895,000 |
| Noninterest-bearing deposits | 43,136,000 | 45,143,000 | 42,813,000 | 41,729,000 |
| Equity capital | 19,523,000 | 19,094,000 | 19,555,000 | 20,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,456,000 | 4,799,000 | 7,276,000 | 9,623,000 |
| Interest expense | 232,000 | 467,000 | 708,000 | 927,000 |
| Net interest income | 2,224,000 | 4,332,000 | 6,568,000 | 8,696,000 |
| Noninterest income | 247,000 | 518,000 | 711,000 | 964,000 |
| Noninterest expense | 1,376,000 | 2,738,000 | 4,056,000 | 5,547,000 |
| Provision for loan losses | 66,000 | 121,000 | 191,000 | 257,000 |
| Pretax income | 1,029,000 | 1,991,000 | 3,032,000 | 3,856,000 |
| Income tax | 55,000 | 84,000 | 117,000 | 138,000 |
| Net income | 974,000 | 1,907,000 | 2,915,000 | 3,718,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,585,000 | 17,111,000 | 17,576,000 | 18,155,000 |
| Total capital | 19,143,000 | 18,726,000 | 19,249,000 | 19,704,000 |
| Risk-weighted assets | 136,867,000 | 133,843,000 | 133,870,000 | 140,519,000 |