Call reports 2012
ONELOCAL BANK — 2012
What ONELOCAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 386,226,000 | 380,777,000 | 378,971,000 | 377,073,000 |
| Total loans | 291,332,000 | 277,141,000 | 269,866,000 | 262,776,000 |
| Allowance for loan losses | 3,852,000 | 3,973,000 | 3,874,000 | 3,125,000 |
| Securities available for sale | 41,551,000 | 13,440,000 | 11,892,000 | 10,303,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,067,000 | 320,279,000 | 318,071,000 | 315,747,000 |
| Interest-bearing deposits | 304,374,000 | 300,083,000 | 296,240,000 | 295,327,000 |
| Noninterest-bearing deposits | 18,693,000 | 20,196,000 | 21,831,000 | 20,420,000 |
| Equity capital | 57,289,000 | 57,696,000 | 58,026,000 | 58,208,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,564,000 | 6,984,000 | 10,173,000 | 13,259,000 |
| Interest expense | 797,000 | 1,532,000 | 2,216,000 | 2,873,000 |
| Net interest income | 2,767,000 | 5,452,000 | 7,957,000 | 10,386,000 |
| Noninterest income | 445,000 | 1,263,000 | 2,091,000 | 2,902,000 |
| Noninterest expense | 2,749,000 | 5,247,000 | 8,114,000 | 11,091,000 |
| Provision for loan losses | 300,000 | 800,000 | 800,000 | 800,000 |
| Pretax income | 163,000 | 1,002,000 | 1,472,000 | 1,737,000 |
| Income tax | 8,000 | 183,000 | 320,000 | 373,000 |
| Net income | 155,000 | 819,000 | 1,152,000 | 1,364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,814,000 | 55,356,000 | 55,587,000 | 55,799,000 |
| Total capital | 57,726,000 | 58,718,000 | 58,879,000 | 58,924,000 |
| Risk-weighted assets | 304,782,000 | 268,330,000 | 262,749,000 | 255,195,000 |