Call reports 2013
O'BANNON BANKING COMPANY — 2013
What O'BANNON BANKING COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 159,455,000 | 165,070,000 | 160,212,000 | 159,775,000 |
| Total loans | 107,125,000 | 109,075,000 | 108,592,000 | 109,775,000 |
| Allowance for loan losses | 1,619,000 | 1,437,000 | 1,442,000 | 1,517,000 |
| Securities available for sale | 11,797,000 | 14,810,000 | 16,666,000 | 16,075,000 |
| Securities held to maturity | 9,693,000 | 10,387,000 | 10,636,000 | 10,631,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,719,000 | 150,378,000 | 145,227,000 | 144,971,000 |
| Interest-bearing deposits | 122,119,000 | 129,348,000 | 122,544,000 | 123,415,000 |
| Noninterest-bearing deposits | 22,601,000 | 21,030,000 | 22,683,000 | 21,556,000 |
| Equity capital | 14,220,000 | 14,259,000 | 14,350,000 | 14,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,779,000 | 3,555,000 | 5,349,000 | 7,157,000 |
| Interest expense | 277,000 | 567,000 | 789,000 | 985,000 |
| Net interest income | 1,502,000 | 2,988,000 | 4,560,000 | 6,172,000 |
| Noninterest income | 143,000 | 297,000 | 471,000 | 465,000 |
| Noninterest expense | 1,145,000 | 2,293,000 | 3,476,000 | 4,732,000 |
| Provision for loan losses | 55,000 | 166,000 | 197,000 | 264,000 |
| Pretax income | 445,000 | 826,000 | 1,358,000 | 1,641,000 |
| Income tax | 131,000 | 240,000 | 400,000 | 474,000 |
| Net income | 314,000 | 586,000 | 958,000 | 1,167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,069,000 | 14,334,000 | 14,416,000 | 14,625,000 |
| Total capital | 15,423,000 | 15,721,000 | 15,791,000 | 16,006,000 |
| Risk-weighted assets | 108,054,000 | 110,897,000 | 109,970,000 | 110,318,000 |