Call reports 2020
FIRSTOAK BANK — 2020
What FIRSTOAK BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 186,747,000 | 221,012,000 | 216,552,000 | 209,322,000 |
| Total loans | 133,803,000 | 147,636,000 | 145,988,000 | 135,381,000 |
| Allowance for loan losses | 1,625,000 | 1,676,000 | 1,663,000 | 1,704,000 |
| Securities available for sale | 13,880,000 | 14,544,000 | 14,977,000 | 16,513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,987,000 | 193,147,000 | 194,050,000 | 186,867,000 |
| Interest-bearing deposits | 122,617,000 | 132,079,000 | 129,559,000 | 127,459,000 |
| Noninterest-bearing deposits | 42,370,000 | 61,068,000 | 64,491,000 | 59,408,000 |
| Equity capital | 20,224,000 | 21,080,000 | 20,774,000 | 21,156,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,406,000 | 4,716,000 | 7,139,000 | 9,366,000 |
| Interest expense | 202,000 | 346,000 | 452,000 | 534,000 |
| Net interest income | 2,204,000 | 4,370,000 | 6,687,000 | 8,832,000 |
| Noninterest income | 228,000 | 415,000 | 633,000 | 923,000 |
| Noninterest expense | 1,453,000 | 2,847,000 | 4,293,000 | 5,781,000 |
| Provision for loan losses | 55,000 | 106,000 | 181,000 | 250,000 |
| Pretax income | 924,000 | 1,833,000 | 2,866,000 | 3,744,000 |
| Income tax | 36,000 | 70,000 | 117,000 | 150,000 |
| Net income | 888,000 | 1,763,000 | 2,749,000 | 3,594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,398,000 | 18,924,000 | 18,660,000 | 19,052,000 |