Call reports 2005
ONE BANK OF TENNESSEE — 2005
What ONE BANK OF TENNESSEE 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 | 251,950,000 | 254,256,000 | 262,398,000 | 265,937,000 |
| Total loans | 123,740,000 | 129,271,000 | 134,324,000 | 135,860,000 |
| Allowance for loan losses | 947,000 | 971,000 | 975,000 | 1,018,000 |
| Securities available for sale | 97,519,000 | 96,484,000 | 94,784,000 | 90,933,000 |
| Securities held to maturity | 2,273,000 | 785,000 | 505,000 | 6,585,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,864,000 | 233,439,000 | 241,246,000 | 244,977,000 |
| Interest-bearing deposits | 203,584,000 | 203,411,000 | 206,873,000 | 212,633,000 |
| Noninterest-bearing deposits | 28,280,000 | 30,028,000 | 34,373,000 | 32,344,000 |
| Equity capital | 18,366,000 | 18,914,000 | 19,088,000 | 19,115,000 |
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 | 2,710,000 | 5,585,000 | 8,706,000 | 11,941,000 |
| Interest expense | 831,000 | 1,772,000 | 2,831,000 | 4,032,000 |
| Net interest income | 1,879,000 | 3,813,000 | 5,875,000 | 7,909,000 |
| Noninterest income | 835,000 | 1,812,000 | 2,757,000 | 3,686,000 |
| Noninterest expense | 1,948,000 | 3,938,000 | 6,033,000 | 7,945,000 |
| Provision for loan losses | 101,000 | 189,000 | 252,000 | 386,000 |
| Pretax income | 665,000 | 1,498,000 | 2,347,000 | 3,264,000 |
| Income tax | 55,000 | 121,000 | 188,000 | 261,000 |
| Net income | 610,000 | 1,377,000 | 2,159,000 | 3,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,304,000 | 19,494,000 | 19,759,000 | 19,984,000 |
| Total capital | 20,251,000 | 20,465,000 | 20,734,000 | 21,002,000 |
| Risk-weighted assets | 113,283,000 | 119,399,000 | 127,897,000 | 130,114,000 |
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