Call reports 2008
ONELOCAL BANK — 2008
What ONELOCAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 427,745,000 | 440,412,000 | 431,575,000 | 403,618,000 |
| Total loans | 349,179,000 | 353,240,000 | 354,215,000 | 341,529,000 |
| Allowance for loan losses | 4,256,000 | 4,331,000 | 4,399,000 | 7,137,000 |
| Securities available for sale | 32,720,000 | 31,168,000 | 19,553,000 | 17,774,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,808,000 | 341,037,000 | 333,867,000 | 316,417,000 |
| Interest-bearing deposits | 16,218,000 | 324,606,000 | 319,121,000 | 302,229,000 |
| Noninterest-bearing deposits | 323,590,000 | 16,431,000 | 14,746,000 | 14,188,000 |
| Equity capital | 58,362,000 | 57,261,000 | 57,107,000 | 53,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,924,000 | 11,700,000 | 17,439,000 | 22,699,000 |
| Interest expense | 3,396,000 | 6,579,000 | 9,518,000 | 12,078,000 |
| Net interest income | 2,528,000 | 5,121,000 | 7,921,000 | 10,621,000 |
| Noninterest income | 513,000 | 810,000 | 1,132,000 | 1,504,000 |
| Noninterest expense | 2,526,000 | 6,457,000 | 8,534,000 | 12,200,000 |
| Provision for loan losses | 377,000 | 452,000 | 927,000 | 4,727,000 |
| Pretax income | 135,000 | -981,000 | -419,000 | -4,813,000 |
| Income tax | 6,000 | -504,000 | -329,000 | -2,189,000 |
| Net income | 129,000 | -477,000 | -90,000 | -2,624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,264,000 | 57,236,000 | 57,121,000 | 53,939,000 |
| Total capital | 62,496,000 | 61,567,000 | 61,375,000 | 57,986,000 |
| Risk-weighted assets | 338,556,000 | 346,439,000 | 340,170,000 | 320,700,000 |