Call reports 2008
O'BANNON BANKING COMPANY — 2008
What O'BANNON BANKING COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 137,817,000 | 139,964,000 | 135,105,000 | 135,313,000 |
| Total loans | 108,958,000 | 108,578,000 | 103,146,000 | 103,261,000 |
| Allowance for loan losses | 1,437,000 | 1,658,000 | 993,000 | 1,065,000 |
| Securities available for sale | 15,776,000 | 15,185,000 | 15,483,000 | 14,302,000 |
| Securities held to maturity | 3,602,000 | 4,890,000 | 5,162,000 | 5,568,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,894,000 | 112,538,000 | 106,201,000 | 105,299,000 |
| Interest-bearing deposits | 97,035,000 | 95,294,000 | 91,074,000 | 90,070,000 |
| Noninterest-bearing deposits | 15,859,000 | 17,244,000 | 15,127,000 | 15,229,000 |
| Equity capital | 12,395,000 | 12,330,000 | 12,329,000 | 12,519,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,312,000 | 4,473,000 | 6,489,000 | 8,488,000 |
| Interest expense | 1,026,000 | 1,889,000 | 2,663,000 | 3,365,000 |
| Net interest income | 1,286,000 | 2,584,000 | 3,826,000 | 5,123,000 |
| Noninterest income | 217,000 | 479,000 | 726,000 | 915,000 |
| Noninterest expense | 1,064,000 | 2,111,000 | 3,186,000 | 4,314,000 |
| Provision for loan losses | 44,000 | 355,000 | 432,000 | 741,000 |
| Pretax income | 395,000 | 599,000 | 936,000 | 985,000 |
| Income tax | 121,000 | 176,000 | 273,000 | 299,000 |
| Net income | 274,000 | 423,000 | 663,000 | 686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,133,000 | 12,283,000 | 12,269,000 | 12,292,000 |
| Total capital | 13,172,000 | 13,576,000 | 13,262,000 | 13,357,000 |
| Risk-weighted assets | 104,380,000 | 103,110,000 | 99,872,000 | 99,178,000 |