Call reports 2013
ONELOCAL BANK — 2013
What ONELOCAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 373,023,000 | 374,795,000 | 363,105,000 | 362,864,000 |
| Total loans | 259,083,000 | 253,261,000 | 248,194,000 | 251,655,000 |
| Allowance for loan losses | 3,150,000 | 3,281,000 | 2,912,000 | 2,515,000 |
| Securities available for sale | 9,188,000 | 25,536,000 | 62,331,000 | 75,725,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,095,000 | 313,053,000 | 301,504,000 | 300,886,000 |
| Interest-bearing deposits | 291,000,000 | 290,388,000 | 281,455,000 | 281,438,000 |
| Noninterest-bearing deposits | 20,095,000 | 22,665,000 | 20,049,000 | 19,448,000 |
| Equity capital | 58,487,000 | 58,791,000 | 58,614,000 | 58,879,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,955,000 | 5,859,000 | 8,858,000 | 12,025,000 |
| Interest expense | 589,000 | 1,117,000 | 1,606,000 | 2,084,000 |
| Net interest income | 2,366,000 | 4,742,000 | 7,252,000 | 9,941,000 |
| Noninterest income | 622,000 | 1,127,000 | 1,634,000 | 2,070,000 |
| Noninterest expense | 2,521,000 | 4,947,000 | 8,232,000 | 10,186,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 467,000 | 922,000 | 654,000 | 1,825,000 |
| Income tax | 135,000 | 264,000 | 113,000 | 611,000 |
| Net income | 332,000 | 658,000 | 541,000 | 1,214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,073,000 | 55,764,000 | 55,647,000 | 56,988,000 |
| Total capital | 59,191,000 | 58,736,000 | 58,609,000 | 59,638,000 |
| Risk-weighted assets | 249,368,000 | 237,447,000 | 238,831,000 | 251,675,000 |