Call reports 2015
O'BANNON BANKING COMPANY — 2015
What O'BANNON BANKING COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 173,506,000 | 170,556,000 | 165,210,000 | 169,232,000 |
| Total loans | 115,569,000 | 121,811,000 | 124,431,000 | 129,144,000 |
| Allowance for loan losses | 1,483,000 | 1,446,000 | 1,375,000 | 1,552,000 |
| Securities available for sale | 14,682,000 | 13,895,000 | 13,215,000 | 11,204,000 |
| Securities held to maturity | 10,351,000 | 9,326,000 | 10,782,000 | 11,283,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,348,000 | 154,192,000 | 148,672,000 | 152,827,000 |
| Interest-bearing deposits | 132,385,000 | 127,570,000 | 122,808,000 | 124,000,000 |
| Noninterest-bearing deposits | 24,962,000 | 26,623,000 | 25,863,000 | 28,827,000 |
| Equity capital | 15,365,000 | 15,638,000 | 15,747,000 | 15,911,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,778,000 | 3,574,000 | 5,422,000 | 7,300,000 |
| Interest expense | 197,000 | 388,000 | 566,000 | 738,000 |
| Net interest income | 1,581,000 | 3,186,000 | 4,856,000 | 6,562,000 |
| Noninterest income | 144,000 | 276,000 | 422,000 | 537,000 |
| Noninterest expense | 1,187,000 | 2,413,000 | 3,596,000 | 4,807,000 |
| Provision for loan losses | 0 | 0 | 17,000 | 270,000 |
| Pretax income | 538,000 | 1,049,000 | 1,665,000 | 2,022,000 |
| Income tax | 172,000 | 327,000 | 519,000 | 660,000 |
| Net income | 366,000 | 722,000 | 1,146,000 | 1,362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,213,000 | 15,607,000 | 15,636,000 | 15,881,000 |
| Total capital | 16,696,000 | 17,053,000 | 17,011,000 | 17,433,000 |
| Risk-weighted assets | 123,423,000 | 128,147,000 | 127,374,000 | 132,089,000 |