Call reports 2017
ONELOCAL BANK — 2017
What ONELOCAL BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 475,635,000 | 486,367,000 | 482,696,000 | 485,394,000 |
| Total loans | 372,065,000 | 384,210,000 | 392,949,000 | 398,402,000 |
| Allowance for loan losses | 2,912,000 | 2,988,000 | 3,063,000 | 3,134,000 |
| Securities available for sale | 59,343,000 | 57,284,000 | 53,142,000 | 57,136,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 399,589,000 | 409,309,000 | 397,979,000 | 395,620,000 |
| Interest-bearing deposits | 364,548,000 | 370,499,000 | 364,680,000 | 360,357,000 |
| Noninterest-bearing deposits | 35,041,000 | 38,810,000 | 33,299,000 | 35,263,000 |
| Equity capital | 67,449,000 | 68,440,000 | 69,223,000 | 70,351,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 4,071,000 | 8,451,000 | 12,927,000 | 17,701,000 |
| Interest expense | 810,000 | 1,668,000 | 2,520,000 | 3,392,000 |
| Net interest income | 3,261,000 | 6,783,000 | 10,407,000 | 14,309,000 |
| Noninterest income | 394,000 | 787,000 | 1,251,000 | 1,695,000 |
| Noninterest expense | 2,589,000 | 5,518,000 | 8,062,000 | 10,834,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 991,000 | 2,360,000 | 3,808,000 | 5,307,000 |
| Income tax | 349,000 | 828,000 | 1,376,000 | 1,737,000 |
| Net income | 642,000 | 1,532,000 | 2,432,000 | 3,570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,623,000 | 67,512,000 | 68,413,000 | 69,551,000 |
| Total capital | 70,130,000 | 71,068,000 | 72,215,000 | 73,563,000 |
| Risk-weighted assets | 346,007,000 | 353,727,000 | 358,304,000 | 364,381,000 |