Call reports 2003
ONE BANK & TRUST, NATIONAL ASSOCIATION — 2003
What ONE BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 240,478,000 | 248,949,000 | 259,314,000 | 261,236,000 |
| Total loans | 206,669,000 | 214,143,000 | 229,868,000 | 230,746,000 |
| Allowance for loan losses | 1,593,000 | 1,696,000 | 1,793,000 | 1,868,000 |
| Securities available for sale | 1,497,000 | 1,415,000 | 1,349,000 | 1,317,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,295,000 | 196,136,000 | 210,015,000 | 213,314,000 |
| Interest-bearing deposits | 163,726,000 | 167,304,000 | 178,853,000 | 189,052,000 |
| Noninterest-bearing deposits | 24,569,000 | 28,832,000 | 31,162,000 | 24,262,000 |
| Equity capital | 19,557,000 | 19,352,000 | 19,892,000 | 20,483,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,008,000 | 8,037,000 | 12,354,000 | 16,746,000 |
| Interest expense | 1,234,000 | 2,501,000 | 3,774,000 | 5,087,000 |
| Net interest income | 2,774,000 | 5,536,000 | 8,580,000 | 11,659,000 |
| Noninterest income | 181,000 | 378,000 | 566,000 | 759,000 |
| Noninterest expense | 2,346,000 | 4,702,000 | 7,274,000 | 9,734,000 |
| Provision for loan losses | 280,000 | 400,000 | 520,000 | 740,000 |
| Pretax income | 329,000 | 812,000 | 1,352,000 | 1,944,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 329,000 | 812,000 | 1,352,000 | 1,944,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,289,000 | 19,084,000 | 19,624,000 | 20,215,000 |
| Total capital | 20,882,000 | 20,780,000 | 21,417,000 | 22,083,000 |
| Risk-weighted assets | 229,704,000 | 207,444,000 | 223,549,000 | 226,837,000 |
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