Call reports 2004
O'BANNON BANKING COMPANY — 2004
What O'BANNON BANKING COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 124,494,000 | 125,551,000 | 128,641,000 | 127,361,000 |
| Total loans | 88,599,000 | 92,195,000 | 94,908,000 | 95,619,000 |
| Allowance for loan losses | 1,300,000 | 1,287,000 | 1,314,000 | 1,345,000 |
| Securities available for sale | 18,321,000 | 17,375,000 | 17,171,000 | 16,022,000 |
| Securities held to maturity | 4,770,000 | 4,518,000 | 6,897,000 | 4,312,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,935,000 | 100,530,000 | 102,456,000 | 103,103,000 |
| Interest-bearing deposits | 86,438,000 | 85,856,000 | 88,114,000 | 88,579,000 |
| Noninterest-bearing deposits | 15,497,000 | 14,674,000 | 14,343,000 | 14,524,000 |
| Equity capital | 10,238,000 | 10,109,000 | 10,264,000 | 10,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,525,000 | 3,075,000 | 4,628,000 | 6,204,000 |
| Interest expense | 488,000 | 964,000 | 1,486,000 | 2,023,000 |
| Net interest income | 1,037,000 | 2,111,000 | 3,142,000 | 4,181,000 |
| Noninterest income | 142,000 | 424,000 | 597,000 | 757,000 |
| Noninterest expense | 904,000 | 1,776,000 | 2,674,000 | 3,579,000 |
| Provision for loan losses | 50,000 | 80,000 | 110,000 | 140,000 |
| Pretax income | 225,000 | 679,000 | 955,000 | 1,219,000 |
| Income tax | 64,000 | 167,000 | 248,000 | 326,000 |
| Net income | 161,000 | 512,000 | 707,000 | 893,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,203,000 | 10,396,000 | 10,364,000 | 10,548,000 |
| Total capital | 11,257,000 | 11,498,000 | 11,493,000 | 11,684,000 |
| Risk-weighted assets | 84,037,000 | 88,012,000 | 90,106,000 | 90,685,000 |