Call reports 2004
ONE AMERICAN BANK — 2004
What ONE AMERICAN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 69,743,000 | 73,414,000 | 76,590,000 | 72,612,000 |
| Total loans | 55,595,000 | 53,618,000 | 57,563,000 | 59,616,000 |
| Allowance for loan losses | 1,147,000 | 1,107,000 | 1,095,000 | 999,000 |
| Securities available for sale | 6,850,000 | 6,506,000 | 6,471,000 | 6,357,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,228,000 | 65,136,000 | 67,640,000 | 62,818,000 |
| Interest-bearing deposits | 50,774,000 | 54,588,000 | 54,130,000 | 51,109,000 |
| Noninterest-bearing deposits | 10,454,000 | 10,547,000 | 13,510,000 | 11,709,000 |
| Equity capital | 7,498,000 | 7,523,000 | 7,495,000 | 7,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,029,000 | 2,096,000 | 3,180,000 | 4,308,000 |
| Interest expense | 221,000 | 458,000 | 693,000 | 931,000 |
| Net interest income | 808,000 | 1,638,000 | 2,487,000 | 3,377,000 |
| Noninterest income | 112,000 | 104,000 | 229,000 | 338,000 |
| Noninterest expense | 624,000 | 1,275,000 | 1,987,000 | 2,629,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 296,000 | 467,000 | 729,000 | 1,086,000 |
| Income tax | 112,000 | 142,000 | 192,000 | 394,000 |
| Net income | 184,000 | 325,000 | 537,000 | 692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,403,000 | 7,543,000 | 7,455,000 | 7,311,000 |
| Total capital | 8,122,000 | 8,249,000 | 8,208,000 | 8,078,000 |
| Risk-weighted assets | 57,130,000 | 56,077,000 | 59,916,000 | 61,144,000 |