Call reports 2007
O'BANNON BANKING COMPANY — 2007
What O'BANNON BANKING COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 140,511,000 | 139,116,000 | 137,439,000 | 141,366,000 |
| Total loans | 108,305,000 | 106,970,000 | 105,998,000 | 108,907,000 |
| Allowance for loan losses | 1,352,000 | 1,399,000 | 1,463,000 | 1,450,000 |
| Securities available for sale | 20,363,000 | 19,016,000 | 19,122,000 | 18,173,000 |
| Securities held to maturity | 3,038,000 | 3,036,000 | 3,033,000 | 3,979,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,722,000 | 115,215,000 | 116,313,000 | 113,873,000 |
| Interest-bearing deposits | 98,899,000 | 99,793,000 | 100,175,000 | 98,532,000 |
| Noninterest-bearing deposits | 16,823,000 | 15,422,000 | 16,138,000 | 15,341,000 |
| Equity capital | 11,582,000 | 11,749,000 | 11,930,000 | 12,318,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,332,000 | 4,695,000 | 7,096,000 | 9,461,000 |
| Interest expense | 1,081,000 | 2,164,000 | 3,253,000 | 4,393,000 |
| Net interest income | 1,251,000 | 2,531,000 | 3,843,000 | 5,068,000 |
| Noninterest income | 157,000 | 368,000 | 612,000 | 829,000 |
| Noninterest expense | 976,000 | 1,978,000 | 2,978,000 | 3,967,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 375,000 | 804,000 | 1,300,000 | 1,693,000 |
| Income tax | 120,000 | 256,000 | 414,000 | 535,000 |
| Net income | 255,000 | 548,000 | 886,000 | 1,158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,653,000 | 11,946,000 | 11,955,000 | 12,226,000 |
| Total capital | 12,941,000 | 13,228,000 | 13,224,000 | 13,538,000 |
| Risk-weighted assets | 102,983,000 | 102,421,000 | 101,316,000 | 104,792,000 |