Call reports 2004
ONELOCAL BANK — 2004
What ONELOCAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 322,109,000 | 349,196,000 | 359,816,000 | 358,469,000 |
| Total loans | 248,214,000 | 260,413,000 | 265,863,000 | 268,075,000 |
| Allowance for loan losses | 3,388,000 | 3,433,000 | 3,477,000 | 3,520,000 |
| Securities available for sale | 48,808,000 | 55,202,000 | 58,429,000 | 61,260,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,270,000 | 284,244,000 | 291,952,000 | 287,919,000 |
| Interest-bearing deposits | 241,081,000 | 265,489,000 | 274,191,000 | 270,346,000 |
| Noninterest-bearing deposits | 16,189,000 | 18,755,000 | 17,761,000 | 17,573,000 |
| Equity capital | 43,007,000 | 43,610,000 | 44,899,000 | 45,715,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,362,000 | 8,878,000 | 13,632,000 | 18,626,000 |
| Interest expense | 1,460,000 | 3,046,000 | 4,696,000 | 6,351,000 |
| Net interest income | 2,902,000 | 5,832,000 | 8,936,000 | 12,275,000 |
| Noninterest income | 360,000 | 1,006,000 | 1,253,000 | 1,564,000 |
| Noninterest expense | 1,817,000 | 3,531,000 | 5,389,000 | 7,663,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 1,400,000 | 3,217,000 | 4,665,000 | 5,666,000 |
| Income tax | 600,000 | 1,151,000 | 1,654,000 | 2,083,000 |
| Net income | 800,000 | 2,066,000 | 3,011,000 | 3,583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,976,000 | 44,206,000 | 45,136,000 | 46,044,000 |
| Total capital | 45,859,000 | 47,266,000 | 48,254,000 | 49,191,000 |
| Risk-weighted assets | 230,174,000 | 244,412,000 | 249,041,000 | 251,407,000 |