Call reports 2004
ONE BANK & TRUST, NATIONAL ASSOCIATION — 2004
What ONE BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 274,263,000 | 274,743,000 | 289,282,000 | 300,866,000 |
| Total loans | 241,403,000 | 247,384,000 | 259,252,000 | 271,632,000 |
| Allowance for loan losses | 1,931,000 | 2,233,000 | 2,172,000 | 2,164,000 |
| Securities available for sale | 1,302,000 | 1,282,000 | 1,269,000 | 1,259,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,275,000 | 222,565,000 | 232,680,000 | 237,658,000 |
| Interest-bearing deposits | 193,594,000 | 194,079,000 | 204,490,000 | 210,577,000 |
| Noninterest-bearing deposits | 29,681,000 | 28,486,000 | 28,190,000 | 27,081,000 |
| Equity capital | 23,913,000 | 23,423,000 | 23,803,000 | 24,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,994,000 | 8,133,000 | 12,403,000 | 16,934,000 |
| Interest expense | 1,297,000 | 2,600,000 | 3,961,000 | 5,457,000 |
| Net interest income | 2,697,000 | 5,533,000 | 8,442,000 | 11,477,000 |
| Noninterest income | 195,000 | 395,000 | 612,000 | 834,000 |
| Noninterest expense | 2,312,000 | 4,729,000 | 7,125,000 | 9,620,000 |
| Provision for loan losses | 150,000 | 600,000 | 950,000 | 1,250,000 |
| Pretax income | 430,000 | 599,000 | 979,000 | 1,441,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 430,000 | 599,000 | 979,000 | 1,441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,645,000 | 23,155,000 | 23,535,000 | 24,498,000 |
| Total capital | 25,576,000 | 25,388,000 | 25,707,000 | 26,662,000 |
| Risk-weighted assets | 234,286,000 | 240,781,000 | 252,765,000 | 266,054,000 |
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