Call reports 2015
ONELOCAL BANK — 2015
What ONELOCAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 403,883,000 | 410,284,000 | 417,776,000 | 420,985,000 |
| Total loans | 275,279,000 | 296,199,000 | 308,821,000 | 315,693,000 |
| Allowance for loan losses | 2,539,000 | 2,570,000 | 2,611,000 | 2,656,000 |
| Securities available for sale | 85,925,000 | 69,212,000 | 71,845,000 | 64,935,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 329,100,000 | 335,056,000 | 342,007,000 | 349,292,000 |
| Interest-bearing deposits | 298,365,000 | 299,144,000 | 310,375,000 | 315,307,000 |
| Noninterest-bearing deposits | 30,735,000 | 35,912,000 | 31,632,000 | 33,985,000 |
| Equity capital | 62,744,000 | 62,925,000 | 63,245,000 | 63,814,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,240,000 | 6,582,000 | 10,056,000 | 13,734,000 |
| Interest expense | 590,000 | 1,171,000 | 1,805,000 | 2,462,000 |
| Net interest income | 2,650,000 | 5,411,000 | 8,251,000 | 11,272,000 |
| Noninterest income | 425,000 | 864,000 | 1,295,000 | 1,776,000 |
| Noninterest expense | 2,442,000 | 4,804,000 | 7,407,000 | 9,753,000 |
| Provision for loan losses | 0 | 30,000 | 75,000 | 120,000 |
| Pretax income | 633,000 | 1,502,000 | 2,363,000 | 3,494,000 |
| Income tax | 204,000 | 501,000 | 794,000 | 1,201,000 |
| Net income | 429,000 | 1,001,000 | 1,569,000 | 2,293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,575,000 | 61,269,000 | 61,300,000 | 62,451,000 |
| Total capital | 63,335,000 | 64,086,000 | 63,961,000 | 65,157,000 |
| Risk-weighted assets | 279,726,000 | 280,713,000 | 297,124,000 | 301,959,000 |