Call reports 2008
ONE BANK & TRUST, NATIONAL ASSOCIATION — 2008
What ONE BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 378,871,000 | 389,269,000 | 408,762,000 | 424,989,000 |
| Total loans | 337,340,000 | 344,489,000 | 365,124,000 | 360,516,000 |
| Allowance for loan losses | 2,869,000 | 3,087,000 | 3,201,000 | 3,227,000 |
| Securities available for sale | 1,201,000 | 1,201,000 | 1,201,000 | 1,201,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,232,000 | 298,704,000 | 322,437,000 | 342,450,000 |
| Interest-bearing deposits | 270,930,000 | 272,478,000 | 296,785,000 | 314,508,000 |
| Noninterest-bearing deposits | 26,302,000 | 26,226,000 | 25,652,000 | 27,942,000 |
| Equity capital | 30,506,000 | 30,940,000 | 31,478,000 | 31,875,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,792,000 | 13,289,000 | 19,870,000 | 26,436,000 |
| Interest expense | 3,178,000 | 6,094,000 | 8,986,000 | 11,981,000 |
| Net interest income | 3,614,000 | 7,195,000 | 10,884,000 | 14,455,000 |
| Noninterest income | 254,000 | 548,000 | 817,000 | 1,085,000 |
| Noninterest expense | 3,087,000 | 6,304,000 | 9,499,000 | 12,717,000 |
| Provision for loan losses | 226,000 | 450,000 | 675,000 | 900,000 |
| Pretax income | 555,000 | 989,000 | 1,527,000 | 1,923,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 555,000 | 989,000 | 1,527,000 | 1,923,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,238,000 | 30,672,000 | 31,210,000 | 31,607,000 |
| Total capital | 33,107,000 | 33,759,000 | 34,411,000 | 34,834,000 |
| Risk-weighted assets | 329,432,000 | 336,671,000 | 353,537,000 | 347,180,000 |
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