Call reports 2005
ONELOCAL BANK — 2005
What ONELOCAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 370,588,000 | 390,380,000 | 392,698,000 | 406,683,000 |
| Total loans | 278,968,000 | 293,576,000 | 308,338,000 | 313,456,000 |
| Allowance for loan losses | 3,620,000 | 3,890,000 | 3,889,000 | 3,888,000 |
| Securities available for sale | 58,037,000 | 55,836,000 | 52,037,000 | 49,452,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,695,000 | 316,627,000 | 308,663,000 | 319,406,000 |
| Interest-bearing deposits | 276,971,000 | 298,119,000 | 291,365,000 | 302,878,000 |
| Noninterest-bearing deposits | 17,724,000 | 18,508,000 | 17,298,000 | 16,528,000 |
| Equity capital | 46,555,000 | 48,118,000 | 49,296,000 | 50,171,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,866,000 | 10,167,000 | 15,785,000 | 21,906,000 |
| Interest expense | 1,656,000 | 3,509,000 | 5,499,000 | 7,812,000 |
| Net interest income | 3,210,000 | 6,658,000 | 10,286,000 | 14,094,000 |
| Noninterest income | 305,000 | 578,000 | 846,000 | 1,141,000 |
| Noninterest expense | 1,865,000 | 3,764,000 | 5,556,000 | 7,799,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,650,000 | 3,472,000 | 5,563,000 | 7,423,000 |
| Income tax | 467,000 | 1,112,000 | 1,916,000 | 2,622,000 |
| Net income | 1,183,000 | 2,360,000 | 3,647,000 | 4,801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,186,000 | 48,394,000 | 49,691,000 | 50,845,000 |
| Total capital | 50,490,000 | 51,878,000 | 53,326,000 | 54,566,000 |
| Risk-weighted assets | 264,041,000 | 278,281,000 | 290,386,000 | 297,473,000 |