Call reports 2002
ONELOCAL BANK — 2002
What ONELOCAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 253,637,000 | 271,270,000 | 279,974,000 | 283,976,000 |
| Total loans | 184,748,000 | 185,240,000 | 200,176,000 | 209,216,000 |
| Allowance for loan losses | 2,690,000 | 2,764,000 | 2,839,000 | 2,914,000 |
| Securities available for sale | 42,630,000 | 55,186,000 | 56,168,000 | 52,930,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,029,000 | 231,802,000 | 241,049,000 | 243,451,000 |
| Interest-bearing deposits | 200,844,000 | 215,837,000 | 224,484,000 | 226,035,000 |
| Noninterest-bearing deposits | 13,185,000 | 15,965,000 | 16,565,000 | 17,416,000 |
| Equity capital | 35,033,000 | 35,961,000 | 36,879,000 | 38,183,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,048,000 | 8,143,000 | 12,403,000 | 16,746,000 |
| Interest expense | 1,741,000 | 3,416,000 | 5,099,000 | 6,698,000 |
| Net interest income | 2,307,000 | 4,727,000 | 7,304,000 | 10,048,000 |
| Noninterest income | 464,000 | 906,000 | 1,539,000 | 2,396,000 |
| Noninterest expense | 1,560,000 | 2,999,000 | 4,530,000 | 6,235,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,138,000 | 2,486,000 | 4,117,000 | 5,938,000 |
| Income tax | 380,000 | 838,000 | 1,346,000 | 2,038,000 |
| Net income | 758,000 | 1,648,000 | 2,771,000 | 3,900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,095,000 | 35,769,000 | 36,518,000 | 37,731,000 |
| Total capital | 37,450,000 | 38,142,000 | 38,949,000 | 40,237,000 |
| Risk-weighted assets | 188,112,000 | 189,410,000 | 194,076,000 | 200,076,000 |