Call reports 2016
ONELOCAL BANK — 2016
What ONELOCAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 434,253,000 | 445,932,000 | 441,868,000 | 462,069,000 |
| Total loans | 337,297,000 | 340,199,000 | 343,797,000 | 354,947,000 |
| Allowance for loan losses | 2,701,000 | 2,747,000 | 2,792,000 | 2,837,000 |
| Securities available for sale | 55,679,000 | 59,918,000 | 57,017,000 | 59,209,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 361,897,000 | 372,309,000 | 371,854,000 | 381,443,000 |
| Interest-bearing deposits | 327,450,000 | 334,603,000 | 333,841,000 | 344,129,000 |
| Noninterest-bearing deposits | 34,447,000 | 37,706,000 | 38,013,000 | 37,314,000 |
| Equity capital | 64,747,000 | 65,607,000 | 66,345,000 | 66,496,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,645,000 | 7,446,000 | 11,334,000 | 15,364,000 |
| Interest expense | 657,000 | 1,378,000 | 2,113,000 | 2,858,000 |
| Net interest income | 2,988,000 | 6,068,000 | 9,221,000 | 12,506,000 |
| Noninterest income | 412,000 | 851,000 | 1,388,000 | 1,949,000 |
| Noninterest expense | 2,625,000 | 5,078,000 | 7,695,000 | 10,439,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 724,000 | 1,760,000 | 2,788,000 | 3,845,000 |
| Income tax | 238,000 | 609,000 | 971,000 | 1,345,000 |
| Net income | 486,000 | 1,151,000 | 1,817,000 | 2,500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,415,000 | 64,260,000 | 64,930,000 | 65,609,000 |
| Total capital | 66,300,000 | 67,216,000 | 68,064,000 | 68,814,000 |
| Risk-weighted assets | 316,228,000 | 322,070,000 | 323,957,000 | 334,759,000 |