Call reports 2002
O'BANNON BANKING COMPANY — 2002
What O'BANNON BANKING COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 104,791,000 | 103,057,000 | 104,867,000 | 110,065,000 |
| Total loans | 76,487,000 | 76,372,000 | 77,063,000 | 80,679,000 |
| Allowance for loan losses | 1,288,000 | 1,366,000 | 1,364,000 | 1,135,000 |
| Securities available for sale | 298,000 | 4,980,000 | 6,475,000 | 5,926,000 |
| Securities held to maturity | 14,406,000 | 11,971,000 | 11,047,000 | 10,721,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,325,000 | 92,443,000 | 91,172,000 | 91,210,000 |
| Interest-bearing deposits | 82,658,000 | 80,300,000 | 78,725,000 | 79,680,000 |
| Noninterest-bearing deposits | 11,667,000 | 12,143,000 | 12,447,000 | 11,530,000 |
| Equity capital | 9,754,000 | 9,916,000 | 9,950,000 | 10,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,719,000 | 3,335,000 | 4,900,000 | 6,452,000 |
| Interest expense | 720,000 | 1,327,000 | 1,880,000 | 2,443,000 |
| Net interest income | 999,000 | 2,008,000 | 3,020,000 | 4,009,000 |
| Noninterest income | 147,000 | 280,000 | 428,000 | 623,000 |
| Noninterest expense | 869,000 | 1,836,000 | 2,703,000 | 3,606,000 |
| Provision for loan losses | 75,000 | 75,000 | 75,000 | 95,000 |
| Pretax income | 202,000 | 379,000 | 672,000 | 933,000 |
| Income tax | 47,000 | 88,000 | 168,000 | 246,000 |
| Net income | 155,000 | 291,000 | 504,000 | 687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,739,000 | 9,881,000 | 9,906,000 | 10,076,000 |
| Total capital | 10,600,000 | 10,763,000 | 10,824,000 | 11,045,000 |
| Risk-weighted assets | 68,449,000 | 70,038,000 | 72,972,000 | 77,366,000 |