Call reports 2012
ONE BANK & TRUST, NATIONAL ASSOCIATION — 2012
What ONE BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 456,695,000 | 474,803,000 | 454,486,000 | 439,726,000 |
| Total loans | 341,314,000 | 327,150,000 | 311,920,000 | 293,784,000 |
| Allowance for loan losses | 5,949,000 | 6,739,000 | 6,409,000 | 7,027,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,169,000 | 399,829,000 | 397,688,000 | 377,467,000 |
| Interest-bearing deposits | 351,428,000 | 368,360,000 | 361,805,000 | 346,891,000 |
| Noninterest-bearing deposits | 30,741,000 | 31,469,000 | 35,883,000 | 30,576,000 |
| Equity capital | 38,089,000 | 38,607,000 | 26,770,000 | 22,872,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,150,000 | 10,134,000 | 14,903,000 | 20,680,000 |
| Interest expense | 1,309,000 | 2,600,000 | 3,896,000 | 5,117,000 |
| Net interest income | 3,841,000 | 7,534,000 | 11,007,000 | 15,563,000 |
| Noninterest income | 576,000 | 1,222,000 | 1,194,000 | 1,140,000 |
| Noninterest expense | 3,598,000 | 7,119,000 | 10,718,000 | 16,415,000 |
| Provision for loan losses | 300,000 | 600,000 | 1,600,000 | 4,550,000 |
| Pretax income | 519,000 | 1,037,000 | -117,000 | -4,262,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 519,000 | 1,037,000 | -117,000 | -4,262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,089,000 | 38,607,000 | 26,770,000 | 22,872,000 |
| Total capital | 42,225,000 | 42,584,000 | 29,535,000 | 26,751,000 |
| Risk-weighted assets | 328,987,000 | 315,388,000 | 287,848,000 | 311,182,000 |