Call reports 2013
ONE BANK & TRUST, NATIONAL ASSOCIATION — 2013
What ONE BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 423,098,000 | 400,793,000 | 393,018,000 | 378,531,000 |
| Total loans | 281,324,000 | 259,997,000 | 242,860,000 | 224,393,000 |
| Allowance for loan losses | 7,623,000 | 7,925,000 | 8,001,000 | 7,907,000 |
| Securities available for sale | 0 | 0 | 0 | 74,365,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 364,578,000 | 348,928,000 | 346,122,000 | 332,913,000 |
| Interest-bearing deposits | 338,018,000 | 321,136,000 | 320,864,000 | 308,738,000 |
| Noninterest-bearing deposits | 26,560,000 | 27,792,000 | 25,258,000 | 24,175,000 |
| Equity capital | 19,918,000 | 18,746,000 | 16,404,000 | 14,737,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,159,000 | 7,663,000 | 10,987,000 | 14,189,000 |
| Interest expense | 1,274,000 | 2,420,000 | 3,620,000 | 4,700,000 |
| Net interest income | 2,885,000 | 5,243,000 | 7,367,000 | 9,489,000 |
| Noninterest income | 582,000 | 1,933,000 | 4,093,000 | 5,016,000 |
| Noninterest expense | 5,171,000 | 9,337,000 | 14,147,000 | 19,039,000 |
| Provision for loan losses | 1,250,000 | 1,500,000 | 2,280,000 | 2,280,000 |
| Pretax income | -2,954,000 | -3,661,000 | -4,967,000 | -6,814,000 |
| Income tax | 0 | 0 | 0 | -161,000 |
| Net income | -2,954,000 | -3,661,000 | -4,967,000 | -6,653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,918,000 | 18,746,000 | 16,404,000 | 15,119,000 |
| Total capital | 23,472,000 | 21,999,000 | 19,399,000 | 18,047,000 |
| Risk-weighted assets | 282,340,000 | 256,524,000 | 234,378,000 | 231,177,000 |