Call reports 2025
ONELOCAL BANK — 2025
What ONELOCAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 973,568,000 | 1,019,424,000 | 1,032,621,000 | 1,031,209,000 |
| Total loans | 835,463,000 | 871,365,000 | 890,247,000 | 889,435,000 |
| Allowance for loan losses | 7,627,000 | 8,028,000 | 8,204,000 | 8,196,000 |
| Securities available for sale | 92,322,000 | 102,104,000 | 99,266,000 | 97,968,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 795,616,000 | 822,840,000 | 824,539,000 | 830,956,000 |
| Interest-bearing deposits | 717,134,000 | 743,141,000 | 745,002,000 | 751,751,000 |
| Noninterest-bearing deposits | 78,482,000 | 79,699,000 | 79,537,000 | 79,205,000 |
| Equity capital | 132,710,000 | 134,648,000 | 138,382,000 | 141,623,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 12,782,000 | 26,463,000 | 41,037,000 | 55,877,000 |
| Interest expense | 5,576,000 | 11,197,000 | 17,140,000 | 23,078,000 |
| Net interest income | 7,206,000 | 15,266,000 | 23,897,000 | 32,799,000 |
| Noninterest income | 435,000 | 1,245,000 | 1,712,000 | 2,144,000 |
| Noninterest expense | 5,391,000 | 10,795,000 | 16,306,000 | 21,701,000 |
| Provision for loan losses | 122,000 | 523,000 | 699,000 | 691,000 |
| Pretax income | 2,120,000 | 5,085,000 | 8,533,000 | 12,442,000 |
| Income tax | 523,000 | 1,278,000 | 2,163,000 | 3,185,000 |
| Net income | 1,597,000 | 3,807,000 | 6,370,000 | 9,257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 131,682,000 | 133,743,000 | 136,450,000 | 139,482,000 |