Call reports 2011
ONELOCAL BANK — 2011
What ONELOCAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 389,158,000 | 395,774,000 | 394,389,000 | 383,011,000 |
| Total loans | 298,228,000 | 307,716,000 | 307,038,000 | 293,278,000 |
| Allowance for loan losses | 6,260,000 | 4,829,000 | 4,703,000 | 4,627,000 |
| Securities available for sale | 41,827,000 | 40,983,000 | 38,847,000 | 38,330,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,460,000 | 322,020,000 | 325,721,000 | 320,305,000 |
| Interest-bearing deposits | 296,883,000 | 304,509,000 | 305,867,000 | 301,590,000 |
| Noninterest-bearing deposits | 16,577,000 | 17,511,000 | 19,854,000 | 18,715,000 |
| Equity capital | 57,548,000 | 59,051,000 | 58,742,000 | 56,855,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,818,000 | 7,570,000 | 11,342,000 | 15,044,000 |
| Interest expense | 1,054,000 | 2,067,000 | 3,050,000 | 3,939,000 |
| Net interest income | 2,764,000 | 5,503,000 | 8,292,000 | 11,105,000 |
| Noninterest income | 446,000 | 845,000 | 1,208,000 | 1,864,000 |
| Noninterest expense | 2,258,000 | 4,676,000 | 7,954,000 | 10,563,000 |
| Provision for loan losses | 0 | 0 | 0 | 4,000,000 |
| Pretax income | 1,220,000 | 2,001,000 | 1,996,000 | -1,144,000 |
| Income tax | 436,000 | -198,000 | -329,000 | -1,513,000 |
| Net income | 784,000 | 2,199,000 | 2,325,000 | 369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,160,000 | 58,575,000 | 58,558,000 | 56,641,000 |
| Total capital | 61,002,000 | 62,498,000 | 62,445,000 | 60,426,000 |
| Risk-weighted assets | 304,576,000 | 312,644,000 | 310,156,000 | 301,955,000 |