Call reports 2020
OAKWOOD BANK — 2020
What OAKWOOD 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 | 503,264,000 | 534,216,000 | 589,783,000 | 638,954,000 |
| Total loans | 353,888,000 | 422,452,000 | 462,572,000 | 494,821,000 |
| Allowance for loan losses | 1,952,000 | 2,461,000 | 2,711,000 | 3,002,000 |
| Securities available for sale | 51,495,000 | 23,292,000 | 19,040,000 | 17,881,000 |
| Securities held to maturity | 665,000 | 610,000 | 550,000 | 497,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 441,898,000 | 476,617,000 | 497,223,000 | 543,724,000 |
| Interest-bearing deposits | 349,492,000 | 364,730,000 | 384,027,000 | 424,428,000 |
| Noninterest-bearing deposits | 92,406,000 | 111,887,000 | 113,196,000 | 119,296,000 |
| Equity capital | 55,290,000 | 55,972,000 | 60,737,000 | 63,457,000 |
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 | 4,943,000 | 9,553,000 | 14,578,000 | 20,319,000 |
| Interest expense | 1,319,000 | 2,215,000 | 3,115,000 | 3,942,000 |
| Net interest income | 3,624,000 | 7,338,000 | 11,463,000 | 16,377,000 |
| Noninterest income | 211,000 | 422,000 | 642,000 | 809,000 |
| Noninterest expense | 3,324,000 | 6,463,000 | 9,710,000 | 12,933,000 |
| Provision for loan losses | 150,000 | 660,000 | 915,000 | 1,255,000 |
| Pretax income | 361,000 | 1,135,000 | 1,978,000 | 3,496,000 |
| Income tax | 91,000 | 267,000 | 458,000 | 791,000 |
| Net income | 270,000 | 868,000 | 1,520,000 | 2,705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,681,000 | 47,502,000 | 52,261,000 | 54,634,000 |
| Total capital | 48,633,000 | 49,963,000 | 54,972,000 | 57,636,000 |
| Risk-weighted assets | 389,040,000 | 416,511,000 | 499,810,000 | 535,048,000 |