Call reports 2014
O'BANNON BANKING COMPANY — 2014
What O'BANNON BANKING COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 171,364,000 | 170,874,000 | 165,938,000 | 165,323,000 |
| Total loans | 110,051,000 | 113,602,000 | 112,187,000 | 115,908,000 |
| Allowance for loan losses | 1,511,000 | 1,380,000 | 1,507,000 | 1,648,000 |
| Securities available for sale | 18,198,000 | 17,839,000 | 17,395,000 | 15,984,000 |
| Securities held to maturity | 8,766,000 | 10,920,000 | 10,864,000 | 10,859,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,225,000 | 155,401,000 | 150,436,000 | 149,565,000 |
| Interest-bearing deposits | 133,812,000 | 131,188,000 | 126,665,000 | 125,573,000 |
| Noninterest-bearing deposits | 22,414,000 | 24,213,000 | 23,770,000 | 23,992,000 |
| Equity capital | 14,703,000 | 15,057,000 | 14,895,000 | 15,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,793,000 | 3,604,000 | 5,403,000 | 7,206,000 |
| Interest expense | 217,000 | 433,000 | 635,000 | 837,000 |
| Net interest income | 1,576,000 | 3,171,000 | 4,768,000 | 6,369,000 |
| Noninterest income | 152,000 | 290,000 | 439,000 | 591,000 |
| Noninterest expense | 1,125,000 | 2,305,000 | 3,529,000 | 4,622,000 |
| Provision for loan losses | 0 | 58,000 | 244,000 | 410,000 |
| Pretax income | 603,000 | 1,098,000 | 1,434,000 | 1,928,000 |
| Income tax | 185,000 | 388,000 | 490,000 | 664,000 |
| Net income | 418,000 | 710,000 | 944,000 | 1,264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,746,000 | 15,033,000 | 14,908,000 | 15,228,000 |
| Total capital | 16,161,000 | 16,413,000 | 16,331,000 | 16,679,000 |
| Risk-weighted assets | 113,132,000 | 116,842,000 | 113,748,000 | 115,892,000 |