Call reports 2007
ONELOCAL BANK — 2007
What ONELOCAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 440,873,000 | 445,583,000 | 434,295,000 | 435,887,000 |
| Total loans | 350,727,000 | 354,396,000 | 348,242,000 | 345,307,000 |
| Allowance for loan losses | 3,884,000 | 3,884,000 | 3,884,000 | 3,879,000 |
| Securities available for sale | 47,370,000 | 46,085,000 | 44,973,000 | 44,084,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 348,503,000 | 355,174,000 | 345,489,000 | 344,795,000 |
| Interest-bearing deposits | 332,871,000 | 340,236,000 | 330,858,000 | 328,560,000 |
| Noninterest-bearing deposits | 15,632,000 | 14,938,000 | 14,631,000 | 16,235,000 |
| Equity capital | 56,115,000 | 57,085,000 | 58,112,000 | 58,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,852,000 | 13,919,000 | 20,722,000 | 27,900,000 |
| Interest expense | 3,453,000 | 7,061,000 | 10,727,000 | 14,345,000 |
| Net interest income | 3,399,000 | 6,858,000 | 9,995,000 | 13,555,000 |
| Noninterest income | 320,000 | 583,000 | 848,000 | 1,213,000 |
| Noninterest expense | 2,215,000 | 4,591,000 | 6,831,000 | 10,020,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,504,000 | 2,850,000 | 4,012,000 | 4,748,000 |
| Income tax | 570,000 | 1,079,000 | 1,517,000 | 1,762,000 |
| Net income | 934,000 | 1,771,000 | 2,495,000 | 2,986,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,129,000 | 56,966,000 | 57,690,000 | 58,181,000 |
| Total capital | 60,013,000 | 60,850,000 | 61,574,000 | 62,060,000 |
| Risk-weighted assets | 339,269,000 | 343,343,000 | 336,110,000 | 338,335,000 |