Call reports 2014
ONELOCAL BANK — 2014
What ONELOCAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 376,189,000 | 380,766,000 | 394,357,000 | 398,621,000 |
| Total loans | 247,138,000 | 252,505,000 | 264,870,000 | 270,385,000 |
| Allowance for loan losses | 2,606,000 | 2,607,000 | 2,608,000 | 2,608,000 |
| Securities available for sale | 82,326,000 | 91,339,000 | 83,263,000 | 83,912,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,668,000 | 313,278,000 | 321,317,000 | 324,519,000 |
| Interest-bearing deposits | 287,839,000 | 293,469,000 | 297,971,000 | 302,481,000 |
| Noninterest-bearing deposits | 21,829,000 | 19,809,000 | 23,346,000 | 22,038,000 |
| Equity capital | 59,502,000 | 60,672,000 | 60,822,000 | 61,697,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,052,000 | 6,176,000 | 9,378,000 | 12,797,000 |
| Interest expense | 468,000 | 993,000 | 1,552,000 | 2,166,000 |
| Net interest income | 2,584,000 | 5,183,000 | 7,826,000 | 10,631,000 |
| Noninterest income | 387,000 | 807,000 | 1,258,000 | 1,674,000 |
| Noninterest expense | 2,425,000 | 4,663,000 | 7,081,000 | 9,434,000 |
| Provision for loan losses | 90,000 | 90,000 | 90,000 | 90,000 |
| Pretax income | 456,000 | 1,237,000 | 1,913,000 | 2,781,000 |
| Income tax | 195,000 | 400,000 | 621,000 | 916,000 |
| Net income | 261,000 | 837,000 | 1,292,000 | 1,865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,888,000 | 58,273,000 | 58,763,000 | 59,667,000 |
| Total capital | 59,658,000 | 61,147,000 | 61,541,000 | 62,419,000 |
| Risk-weighted assets | 252,354,000 | 259,817,000 | 265,163,000 | 270,761,000 |