Call reports 2005
ONE BANK & TRUST, NATIONAL ASSOCIATION — 2005
What ONE BANK & TRUST, NATIONAL ASSOCIATION 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 | 304,027,000 | 312,583,000 | 328,835,000 | 340,413,000 |
| Total loans | 273,390,000 | 278,966,000 | 293,622,000 | 301,834,000 |
| Allowance for loan losses | 2,246,000 | 2,074,000 | 2,074,000 | 2,409,000 |
| Securities available for sale | 1,249,000 | 1,243,000 | 1,236,000 | 1,231,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,893,000 | 251,916,000 | 268,209,000 | 265,664,000 |
| Interest-bearing deposits | 217,679,000 | 219,333,000 | 236,714,000 | 232,886,000 |
| Noninterest-bearing deposits | 28,214,000 | 32,583,000 | 31,495,000 | 32,778,000 |
| Equity capital | 25,227,000 | 25,729,000 | 25,780,000 | 25,947,000 |
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 | 4,638,000 | 9,596,000 | 14,977,000 | 20,685,000 |
| Interest expense | 1,610,000 | 3,365,000 | 5,327,000 | 7,509,000 |
| Net interest income | 3,028,000 | 6,231,000 | 9,650,000 | 13,176,000 |
| Noninterest income | 214,000 | 437,000 | 688,000 | 997,000 |
| Noninterest expense | 2,480,000 | 5,103,000 | 7,801,000 | 10,519,000 |
| Provision for loan losses | 300,000 | 600,000 | 875,000 | 1,825,000 |
| Pretax income | 462,000 | 965,000 | 1,662,000 | 1,829,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 462,000 | 965,000 | 1,662,000 | 1,829,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,959,000 | 25,461,000 | 25,512,000 | 25,679,000 |
| Total capital | 27,205,000 | 27,535,000 | 27,586,000 | 28,088,000 |
| Risk-weighted assets | 271,151,000 | 262,373,000 | 277,454,000 | 287,748,000 |
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