Call reports 2003
ONELOCAL BANK — 2003
What ONELOCAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 299,031,000 | 299,789,000 | 299,738,000 | 312,495,000 |
| Total loans | 221,238,000 | 227,316,000 | 231,041,000 | 243,815,000 |
| Allowance for loan losses | 2,989,000 | 3,060,000 | 3,136,000 | 3,213,000 |
| Securities available for sale | 43,456,000 | 38,647,000 | 35,714,000 | 44,660,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,387,000 | 257,529,000 | 246,636,000 | 249,090,000 |
| Interest-bearing deposits | 235,954,000 | 237,308,000 | 231,556,000 | 232,056,000 |
| Noninterest-bearing deposits | 18,433,000 | 20,221,000 | 15,080,000 | 17,034,000 |
| Equity capital | 37,897,000 | 40,008,000 | 40,661,000 | 41,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,336,000 | 8,640,000 | 12,803,000 | 17,160,000 |
| Interest expense | 1,499,000 | 2,927,000 | 4,295,000 | 5,728,000 |
| Net interest income | 2,837,000 | 5,713,000 | 8,508,000 | 11,432,000 |
| Noninterest income | 539,000 | 1,322,000 | 1,747,000 | 2,151,000 |
| Noninterest expense | 1,704,000 | 3,283,000 | 5,039,000 | 6,680,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,660,000 | 3,919,000 | 5,358,000 | 6,970,000 |
| Income tax | 1,816,000 | 1,987,000 | 2,495,000 | 3,092,000 |
| Net income | -156,000 | 1,932,000 | 2,863,000 | 3,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,506,000 | 39,979,000 | 40,905,000 | 42,102,000 |
| Total capital | 40,080,000 | 42,657,000 | 43,591,000 | 44,915,000 |
| Risk-weighted assets | 205,484,000 | 213,834,000 | 214,416,000 | 224,637,000 |