Call reports 2010
ONELOCAL BANK — 2010
What ONELOCAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 406,272,000 | 406,467,000 | 400,858,000 | 392,812,000 |
| Total loans | 311,049,000 | 305,207,000 | 301,657,000 | 296,517,000 |
| Allowance for loan losses | 5,644,000 | 5,485,000 | 5,691,000 | 6,261,000 |
| Securities available for sale | 41,477,000 | 54,935,000 | 53,730,000 | 56,037,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,563,000 | 324,204,000 | 317,324,000 | 311,604,000 |
| Interest-bearing deposits | 306,832,000 | 304,792,000 | 298,192,000 | 292,410,000 |
| Noninterest-bearing deposits | 17,731,000 | 19,412,000 | 19,132,000 | 19,194,000 |
| Equity capital | 56,744,000 | 57,161,000 | 58,236,000 | 56,734,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,297,000 | 8,633,000 | 12,843,000 | 16,731,000 |
| Interest expense | 1,444,000 | 2,813,000 | 4,063,000 | 5,227,000 |
| Net interest income | 2,853,000 | 5,820,000 | 8,780,000 | 11,504,000 |
| Noninterest income | 413,000 | 819,000 | 1,339,000 | 2,108,000 |
| Noninterest expense | 2,284,000 | 4,847,000 | 7,247,000 | 10,870,000 |
| Provision for loan losses | 0 | 0 | 200,000 | 1,400,000 |
| Pretax income | 966,000 | 1,751,000 | 2,631,000 | 1,296,000 |
| Income tax | 393,000 | 656,000 | 1,112,000 | 1,255,000 |
| Net income | 573,000 | 1,095,000 | 1,519,000 | 41,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,750,000 | 55,984,000 | 56,701,000 | 56,376,000 |
| Total capital | 59,680,000 | 59,952,000 | 60,653,000 | 60,269,000 |
| Risk-weighted assets | 312,725,000 | 315,919,000 | 314,394,000 | 309,128,000 |