Call reports 2020
ONELOCAL BANK — 2020
What ONELOCAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 638,797,000 | 628,509,000 | 628,903,000 | 629,954,000 |
| Total loans | 497,553,000 | 505,348,000 | 510,505,000 | 499,442,000 |
| Allowance for loan losses | 4,300,000 | 4,420,000 | 4,496,000 | 5,247,000 |
| Securities available for sale | 55,097,000 | 51,500,000 | 50,090,000 | 45,081,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 525,800,000 | 512,100,000 | 510,516,000 | 513,411,000 |
| Interest-bearing deposits | 484,709,000 | 460,383,000 | 450,490,000 | 458,007,000 |
| Noninterest-bearing deposits | 41,091,000 | 51,717,000 | 60,026,000 | 55,403,000 |
| Equity capital | 79,727,000 | 80,220,000 | 82,018,000 | 85,609,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 6,234,000 | 12,229,000 | 17,960,000 | 23,805,000 |
| Interest expense | 1,781,000 | 3,243,000 | 4,366,000 | 5,361,000 |
| Net interest income | 4,453,000 | 8,986,000 | 13,594,000 | 18,444,000 |
| Noninterest income | 852,000 | 1,617,000 | 2,697,000 | 6,120,000 |
| Noninterest expense | 3,166,000 | 6,114,000 | 9,233,000 | 12,580,000 |
| Provision for loan losses | 409,000 | 529,000 | 605,000 | 1,355,000 |
| Pretax income | 1,730,000 | 3,960,000 | 6,501,000 | 10,704,000 |
| Income tax | 465,000 | 1,077,000 | 1,744,000 | 2,261,000 |
| Net income | 1,265,000 | 2,883,000 | 4,757,000 | 8,443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,012,000 | 82,630,000 | 84,503,000 | 88,190,000 |