Call reports 2019
ONELOCAL BANK — 2019
What ONELOCAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 551,016,000 | 558,695,000 | 571,595,000 | 588,779,000 |
| Total loans | 465,773,000 | 470,132,000 | 479,937,000 | 495,196,000 |
| Allowance for loan losses | 3,493,000 | 3,523,000 | 3,685,000 | 3,891,000 |
| Securities available for sale | 54,922,000 | 58,036,000 | 56,273,000 | 59,824,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 449,254,000 | 454,274,000 | 462,815,000 | 480,162,000 |
| Interest-bearing deposits | 411,671,000 | 417,442,000 | 424,277,000 | 442,392,000 |
| Noninterest-bearing deposits | 37,583,000 | 36,832,000 | 38,538,000 | 37,770,000 |
| Equity capital | 75,784,000 | 77,553,000 | 77,225,000 | 78,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,717,000 | 11,697,000 | 17,850,000 | 24,058,000 |
| Interest expense | 1,476,000 | 3,086,000 | 4,791,000 | 6,550,000 |
| Net interest income | 4,241,000 | 8,611,000 | 13,059,000 | 17,508,000 |
| Noninterest income | 377,000 | 812,000 | 1,543,000 | 2,078,000 |
| Noninterest expense | 2,983,000 | 6,118,000 | 9,414,000 | 12,829,000 |
| Provision for loan losses | 192,000 | 222,000 | 384,000 | 589,000 |
| Pretax income | 1,443,000 | 3,083,000 | 4,804,000 | 6,168,000 |
| Income tax | 366,000 | 778,000 | 1,234,000 | 1,575,000 |
| Net income | 1,077,000 | 2,305,000 | 3,570,000 | 4,593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,231,000 | 77,459,000 | 78,724,000 | 79,746,000 |
| Total capital | 79,774,000 | 81,047,000 | 82,478,000 | 83,706,000 |
| Risk-weighted assets | 411,059,000 | 407,549,000 | 415,268,000 | 423,308,000 |