Call reports 2003
ONE AMERICAN BANK — 2003
What ONE AMERICAN BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 68,790,000 | 67,965,000 | 68,617,000 | 69,663,000 |
| Total loans | 53,453,000 | 54,306,000 | 53,730,000 | 54,335,000 |
| Allowance for loan losses | 1,465,000 | 1,334,000 | 1,332,000 | 1,160,000 |
| Securities available for sale | 9,255,000 | 8,616,000 | 8,145,000 | 8,005,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,557,000 | 59,243,000 | 59,572,000 | 61,142,000 |
| Interest-bearing deposits | 51,622,000 | 49,839,000 | 50,176,000 | 50,252,000 |
| Noninterest-bearing deposits | 8,935,000 | 9,404,000 | 9,396,000 | 10,890,000 |
| Equity capital | 7,376,000 | 7,350,000 | 7,504,000 | 7,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,132,000 | 2,251,000 | 3,369,000 | 4,369,000 |
| Interest expense | 329,000 | 608,000 | 864,000 | 1,095,000 |
| Net interest income | 803,000 | 1,643,000 | 2,505,000 | 3,274,000 |
| Noninterest income | 112,000 | 271,000 | 387,000 | 465,000 |
| Noninterest expense | 747,000 | 1,372,000 | 2,018,000 | 2,616,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 182,000 | 549,000 | 881,000 | 1,130,000 |
| Income tax | 0 | 148,000 | 247,000 | 403,000 |
| Net income | 182,000 | 401,000 | 634,000 | 727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,274,000 | 7,192,000 | 7,426,000 | 7,218,000 |
| Total capital | 7,995,000 | 7,922,000 | 8,141,000 | 7,935,000 |
| Risk-weighted assets | 56,906,000 | 57,816,000 | 56,563,000 | 56,879,000 |