Call reports 2007
ONE BANK & TRUST, NATIONAL ASSOCIATION — 2007
What ONE BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 346,209,000 | 357,949,000 | 362,824,000 | 366,685,000 |
| Total loans | 303,006,000 | 312,277,000 | 323,360,000 | 325,794,000 |
| Allowance for loan losses | 2,551,000 | 2,492,000 | 2,699,000 | 2,656,000 |
| Securities available for sale | 1,451,000 | 1,451,000 | 1,451,000 | 1,201,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 288,442,000 | 299,402,000 | 294,592,000 | 296,806,000 |
| Interest-bearing deposits | 253,574,000 | 271,152,000 | 270,158,000 | 271,984,000 |
| Noninterest-bearing deposits | 34,868,000 | 28,250,000 | 24,434,000 | 24,822,000 |
| Equity capital | 28,888,000 | 29,631,000 | 29,669,000 | 29,651,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,349,000 | 13,034,000 | 19,948,000 | 26,750,000 |
| Interest expense | 2,880,000 | 5,949,000 | 9,113,000 | 12,389,000 |
| Net interest income | 3,469,000 | 7,085,000 | 10,835,000 | 14,361,000 |
| Noninterest income | 239,000 | 510,000 | 783,000 | 1,045,000 |
| Noninterest expense | 2,809,000 | 5,702,000 | 8,710,000 | 11,616,000 |
| Provision for loan losses | 225,000 | 475,000 | 925,000 | 1,075,000 |
| Pretax income | 674,000 | 1,418,000 | 1,983,000 | 2,715,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 674,000 | 1,418,000 | 1,983,000 | 2,715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,620,000 | 29,363,000 | 29,401,000 | 29,383,000 |
| Total capital | 31,171,000 | 31,855,000 | 32,100,000 | 32,040,000 |
| Risk-weighted assets | 296,729,000 | 310,542,000 | 315,263,000 | 316,531,000 |
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