Call reports 2006
ONELOCAL BANK — 2006
What ONELOCAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 413,741,000 | 430,069,000 | 426,598,000 | 438,181,000 |
| Total loans | 320,035,000 | 331,743,000 | 334,960,000 | 339,005,000 |
| Allowance for loan losses | 3,888,000 | 3,888,000 | 3,884,000 | 3,884,000 |
| Securities available for sale | 52,929,000 | 50,712,000 | 49,836,000 | 48,506,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,601,000 | 335,080,000 | 332,728,000 | 344,283,000 |
| Interest-bearing deposits | 308,444,000 | 318,648,000 | 315,505,000 | 325,512,000 |
| Noninterest-bearing deposits | 17,157,000 | 16,432,000 | 17,223,000 | 18,771,000 |
| Equity capital | 51,420,000 | 52,375,000 | 53,942,000 | 54,965,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,140,000 | 12,599,000 | 19,360,000 | 26,495,000 |
| Interest expense | 2,488,000 | 5,198,000 | 8,359,000 | 11,718,000 |
| Net interest income | 3,652,000 | 7,401,000 | 11,001,000 | 14,777,000 |
| Noninterest income | 275,000 | 544,000 | 801,000 | 1,136,000 |
| Noninterest expense | 1,961,000 | 4,089,000 | 6,268,000 | 8,811,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,966,000 | 3,856,000 | 5,534,000 | 7,078,000 |
| Income tax | 752,000 | 1,487,000 | 2,136,000 | 2,728,000 |
| Net income | 1,214,000 | 2,369,000 | 3,398,000 | 4,350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,059,000 | 53,213,000 | 54,243,000 | 55,195,000 |
| Total capital | 55,921,000 | 57,101,000 | 58,127,000 | 59,079,000 |
| Risk-weighted assets | 308,918,000 | 318,851,000 | 323,871,000 | 331,016,000 |