Call reports 2005
O'BANNON BANKING COMPANY — 2005
What O'BANNON BANKING COMPANY 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 | 128,037,000 | 129,946,000 | 129,964,000 | 130,872,000 |
| Total loans | 97,109,000 | 98,300,000 | 97,093,000 | 98,775,000 |
| Allowance for loan losses | 1,437,000 | 1,437,000 | 1,434,000 | 1,439,000 |
| Securities available for sale | 16,280,000 | 15,915,000 | 15,119,000 | 14,762,000 |
| Securities held to maturity | 4,600,000 | 4,198,000 | 4,195,000 | 4,528,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,263,000 | 105,640,000 | 103,155,000 | 106,769,000 |
| Interest-bearing deposits | 90,772,000 | 90,959,000 | 87,788,000 | 91,674,000 |
| Noninterest-bearing deposits | 14,491,000 | 14,681,000 | 15,367,000 | 15,095,000 |
| Equity capital | 10,387,000 | 10,792,000 | 10,710,000 | 10,947,000 |
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 | 1,664,000 | 3,344,000 | 5,156,000 | 7,011,000 |
| Interest expense | 565,000 | 1,140,000 | 1,799,000 | 2,531,000 |
| Net interest income | 1,099,000 | 2,204,000 | 3,357,000 | 4,480,000 |
| Noninterest income | 157,000 | 359,000 | 555,000 | 777,000 |
| Noninterest expense | 938,000 | 1,849,000 | 2,736,000 | 3,688,000 |
| Provision for loan losses | 16,000 | 25,000 | 34,000 | 43,000 |
| Pretax income | 302,000 | 689,000 | 1,091,000 | 1,475,000 |
| Income tax | 91,000 | 212,000 | 338,000 | 458,000 |
| Net income | 211,000 | 477,000 | 753,000 | 1,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,658,000 | 10,925,000 | 10,912,000 | 11,176,000 |
| Total capital | 11,815,000 | 12,069,000 | 12,051,000 | 12,339,000 |
| Risk-weighted assets | 92,268,000 | 91,149,000 | 90,799,000 | 92,744,000 |