Call reports 2008
ONE BANK OF TENNESSEE — 2008
What ONE BANK OF TENNESSEE 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 | 339,950,000 | 341,936,000 | 327,895,000 | 326,467,000 |
| Total loans | 163,383,000 | 164,170,000 | 168,865,000 | 172,535,000 |
| Allowance for loan losses | 1,197,000 | 1,271,000 | 1,331,000 | 1,370,000 |
| Securities available for sale | 124,304,000 | 130,609,000 | 122,580,000 | 110,499,000 |
| Securities held to maturity | 900,000 | 2,200,000 | 2,176,000 | 2,170,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,154,000 | 312,730,000 | 297,922,000 | 297,638,000 |
| Interest-bearing deposits | 278,495,000 | 278,592,000 | 266,697,000 | 265,257,000 |
| Noninterest-bearing deposits | 32,659,000 | 34,138,000 | 31,225,000 | 32,380,000 |
| Equity capital | 22,436,000 | 21,770,000 | 22,942,000 | 24,194,000 |
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 | 4,465,000 | 8,655,000 | 12,726,000 | 16,634,000 |
| Interest expense | 2,496,000 | 4,832,000 | 6,899,000 | 8,736,000 |
| Net interest income | 1,969,000 | 3,823,000 | 5,827,000 | 7,898,000 |
| Noninterest income | 1,069,000 | 2,135,000 | 3,215,000 | 4,315,000 |
| Noninterest expense | 2,257,000 | 4,521,000 | 6,772,000 | 9,017,000 |
| Provision for loan losses | 63,000 | 179,000 | 300,000 | 426,000 |
| Pretax income | 718,000 | 1,258,000 | 1,970,000 | 2,770,000 |
| Income tax | 47,000 | 82,000 | 127,000 | 178,000 |
| Net income | 671,000 | 1,176,000 | 1,843,000 | 2,592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,817,000 | 22,961,000 | 24,135,000 | 24,418,000 |
| Total capital | 24,014,000 | 24,232,000 | 25,466,000 | 25,788,000 |
| Risk-weighted assets | 164,006,000 | 161,960,000 | 159,320,000 | 163,323,000 |