Call reports 2009
ONELOCAL BANK — 2009
What ONELOCAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 401,944,000 | 396,915,000 | 397,643,000 | 399,503,000 |
| Total loans | 334,335,000 | 326,166,000 | 318,101,000 | 313,969,000 |
| Allowance for loan losses | 6,250,000 | 6,113,000 | 6,113,000 | 5,645,000 |
| Securities available for sale | 13,508,000 | 21,279,000 | 25,590,000 | 33,433,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 317,205,000 | 315,687,000 | 316,135,000 | 319,087,000 |
| Interest-bearing deposits | 302,987,000 | 298,900,000 | 300,874,000 | 302,791,000 |
| Noninterest-bearing deposits | 14,218,000 | 16,787,000 | 15,261,000 | 16,296,000 |
| Equity capital | 54,103,000 | 54,796,000 | 55,586,000 | 55,994,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,782,000 | 9,479,000 | 14,066,000 | 18,527,000 |
| Interest expense | 2,273,000 | 4,320,000 | 6,080,000 | 7,707,000 |
| Net interest income | 2,509,000 | 5,159,000 | 7,986,000 | 10,820,000 |
| Noninterest income | 247,000 | 780,000 | 1,217,000 | 1,684,000 |
| Noninterest expense | 2,364,000 | 5,060,000 | 7,671,000 | 10,445,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 408,000 | 895,000 | 1,498,000 | 1,993,000 |
| Income tax | 110,000 | 337,000 | 615,000 | 812,000 |
| Net income | 298,000 | 558,000 | 883,000 | 1,181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,052,000 | 53,822,000 | 54,610,000 | 55,059,000 |
| Total capital | 58,090,000 | 57,813,000 | 58,534,000 | 59,036,000 |
| Risk-weighted assets | 320,792,000 | 317,161,000 | 311,723,000 | 316,514,000 |