Call reports 2005
ONE AMERICAN BANK — 2005
What ONE AMERICAN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 71,257,000 | 75,310,000 | 80,407,000 | 86,099,000 |
| Total loans | 59,474,000 | 64,613,000 | 68,251,000 | 69,519,000 |
| Allowance for loan losses | 958,000 | 951,000 | 1,009,000 | 1,521,000 |
| Securities available for sale | 6,058,000 | 5,937,000 | 5,864,000 | 6,974,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,841,000 | 62,891,000 | 67,801,000 | 74,470,000 |
| Interest-bearing deposits | 52,985,000 | 52,706,000 | 56,970,000 | 60,565,000 |
| Noninterest-bearing deposits | 9,856,000 | 10,185,000 | 10,831,000 | 13,905,000 |
| Equity capital | 7,457,000 | 7,456,000 | 7,738,000 | 7,228,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,104,000 | 2,371,000 | 3,743,000 | 5,245,000 |
| Interest expense | 256,000 | 562,000 | 963,000 | 1,436,000 |
| Net interest income | 848,000 | 1,809,000 | 2,780,000 | 3,809,000 |
| Noninterest income | 156,000 | 328,000 | 485,000 | 677,000 |
| Noninterest expense | 724,000 | 1,447,000 | 2,180,000 | 2,881,000 |
| Provision for loan losses | 0 | 0 | 0 | 525,000 |
| Pretax income | 272,000 | 682,000 | 1,077,000 | 1,072,000 |
| Income tax | 95,000 | 185,000 | 276,000 | 378,000 |
| Net income | 177,000 | 497,000 | 801,000 | 694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,488,000 | 7,457,000 | 7,715,000 | 7,179,000 |
| Total capital | 8,250,000 | 8,276,000 | 8,586,000 | 8,090,000 |
| Risk-weighted assets | 60,795,000 | 65,419,000 | 69,844,000 | 72,254,000 |