Call reports 2023
ONELOCAL BANK — 2023
What ONELOCAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 885,374,000 | 894,473,000 | 933,872,000 | 925,883,000 |
| Total loans | 725,678,000 | 744,054,000 | 787,405,000 | 779,057,000 |
| Allowance for loan losses | 5,499,000 | 6,810,000 | 7,053,000 | 7,005,000 |
| Securities available for sale | 102,725,000 | 98,611,000 | 96,412,000 | 98,775,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 731,825,000 | 721,560,000 | 739,353,000 | 754,685,000 |
| Interest-bearing deposits | 647,598,000 | 635,957,000 | 652,085,000 | 677,637,000 |
| Noninterest-bearing deposits | 84,228,000 | 85,603,000 | 87,269,000 | 77,048,000 |
| Equity capital | 121,452,000 | 120,778,000 | 120,423,000 | 125,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 10,152,000 | 21,080,000 | 32,646,000 | 44,796,000 |
| Interest expense | 2,594,000 | 6,171,000 | 10,553,000 | 15,806,000 |
| Net interest income | 7,558,000 | 14,909,000 | 22,093,000 | 28,990,000 |
| Noninterest income | 441,000 | 847,000 | 1,249,000 | 1,728,000 |
| Noninterest expense | 4,895,000 | 10,043,000 | 15,259,000 | 20,302,000 |
| Provision for loan losses | 30,000 | 110,000 | 353,000 | 299,000 |
| Pretax income | 3,074,000 | 5,639,000 | 7,760,000 | 10,154,000 |
| Income tax | 757,000 | 1,414,000 | 2,007,000 | 2,627,000 |
| Net income | 2,317,000 | 4,225,000 | 5,753,000 | 7,527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 118,749,000 | 120,567,000 | 122,264,000 | 124,210,000 |