Call reports 2005
OAKWOOD BANK — 2005
What OAKWOOD BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 2,835,000 | 2,709,000 | 2,517,000 | 2,289,000 |
| Total loans | 100,000 | 102,000 | 103,000 | 105,000 |
| Allowance for loan losses | 1,000 | 1,000 | 1,000 | 1,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,197,000 | 1,197,000 | 1,197,000 | 1,197,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,494,000 | 2,362,000 | 2,167,000 | 1,950,000 |
| Interest-bearing deposits | 0 | 0 | 0 | 0 |
| Noninterest-bearing deposits | 2,494,000 | 2,362,000 | 2,167,000 | 1,950,000 |
| Equity capital | 341,000 | 347,000 | 350,000 | 329,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 21,000 | 44,000 | 66,000 | 87,000 |
| Interest expense | 0 | 0 | 0 | 0 |
| Net interest income | 21,000 | 44,000 | 66,000 | 87,000 |
| Noninterest income | 19,000 | 37,000 | 52,000 | 71,000 |
| Noninterest expense | 34,000 | 70,000 | 104,000 | 152,000 |
| Provision for loan losses | -10,000 | -10,000 | -10,000 | -7,000 |
| Pretax income | 16,000 | 21,000 | 24,000 | 13,000 |
| Income tax | 2,000 | 1,000 | 1,000 | 1,000 |
| Net income | 14,000 | 20,000 | 23,000 | 12,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 341,000 | 347,000 | 350,000 | 329,000 |
| Total capital | 342,000 | 348,000 | 351,000 | 330,000 |
| Risk-weighted assets | 479,000 | 452,000 | 412,000 | 373,000 |