Call reports 2018
ONELOCAL BANK — 2018
What ONELOCAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 498,104,000 | 509,535,000 | 520,872,000 | 536,259,000 |
| Total loans | 410,367,000 | 420,227,000 | 427,818,000 | 445,940,000 |
| Allowance for loan losses | 3,214,000 | 3,263,000 | 3,301,000 | 3,301,000 |
| Securities available for sale | 55,829,000 | 54,220,000 | 56,501,000 | 56,094,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 408,183,000 | 413,304,000 | 420,816,000 | 424,696,000 |
| Interest-bearing deposits | 368,037,000 | 373,451,000 | 381,604,000 | 388,247,000 |
| Noninterest-bearing deposits | 40,146,000 | 39,854,000 | 39,213,000 | 36,449,000 |
| Equity capital | 70,635,000 | 71,787,000 | 72,908,000 | 74,386,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,726,000 | 9,641,000 | 14,825,000 | 20,254,000 |
| Interest expense | 939,000 | 1,973,000 | 3,158,000 | 4,479,000 |
| Net interest income | 3,787,000 | 7,668,000 | 11,667,000 | 15,775,000 |
| Noninterest income | 390,000 | 827,000 | 1,199,000 | 1,630,000 |
| Noninterest expense | 2,749,000 | 5,463,000 | 8,193,000 | 11,114,000 |
| Provision for loan losses | 38,000 | 86,000 | 123,000 | 123,000 |
| Pretax income | 1,710,000 | 4,165,000 | 6,631,000 | 8,249,000 |
| Income tax | 659,000 | 1,368,000 | 2,036,000 | 2,488,000 |
| Net income | 1,051,000 | 2,797,000 | 4,595,000 | 5,761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,385,000 | 72,191,000 | 73,988,000 | 75,154,000 |
| Total capital | 74,328,000 | 75,836,000 | 77,339,000 | 78,505,000 |
| Risk-weighted assets | 373,198,000 | 378,821,000 | 379,040,000 | 393,888,000 |