Call reports 2003
O'BANNON BANKING COMPANY — 2003
What O'BANNON BANKING COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 112,562,000 | 114,724,000 | 114,009,000 | 118,602,000 |
| Total loans | 81,289,000 | 82,426,000 | 81,369,000 | 86,386,000 |
| Allowance for loan losses | 1,162,000 | 1,165,000 | 1,146,000 | 1,235,000 |
| Securities available for sale | 9,043,000 | 14,513,000 | 13,464,000 | 12,647,000 |
| Securities held to maturity | 9,096,000 | 7,083,000 | 6,978,000 | 6,511,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,913,000 | 94,816,000 | 94,609,000 | 96,189,000 |
| Interest-bearing deposits | 81,146,000 | 81,698,000 | 80,882,000 | 81,435,000 |
| Noninterest-bearing deposits | 12,767,000 | 13,119,000 | 13,727,000 | 14,754,000 |
| Equity capital | 10,046,000 | 10,269,000 | 10,026,000 | 10,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,576,000 | 3,139,000 | 4,690,000 | 6,175,000 |
| Interest expense | 544,000 | 1,081,000 | 1,570,000 | 2,042,000 |
| Net interest income | 1,032,000 | 2,058,000 | 3,120,000 | 4,133,000 |
| Noninterest income | 147,000 | 302,000 | 465,000 | 646,000 |
| Noninterest expense | 862,000 | 1,701,000 | 2,588,000 | 3,529,000 |
| Provision for loan losses | 45,000 | 90,000 | 155,000 | 230,000 |
| Pretax income | 272,000 | 569,000 | 842,000 | 1,022,000 |
| Income tax | 74,000 | 159,000 | 238,000 | 286,000 |
| Net income | 198,000 | 410,000 | 604,000 | 736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,011,000 | 10,220,000 | 10,164,000 | 10,292,000 |
| Total capital | 10,978,000 | 11,189,000 | 11,130,000 | 11,317,000 |
| Risk-weighted assets | 77,120,000 | 77,323,000 | 77,065,000 | 81,812,000 |