Call reports 2007
ONE AMERICAN BANK — 2007
What ONE AMERICAN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 106,370,000 | 121,169,000 | 121,550,000 | 122,990,000 |
| Total loans | 91,433,000 | 97,000,000 | 104,436,000 | 106,516,000 |
| Allowance for loan losses | 954,000 | 1,002,000 | 1,062,000 | 1,100,000 |
| Securities available for sale | 8,567,000 | 8,239,000 | 8,282,000 | 8,126,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,983,000 | 104,655,000 | 104,606,000 | 102,502,000 |
| Interest-bearing deposits | 80,260,000 | 93,435,000 | 91,004,000 | 87,239,000 |
| Noninterest-bearing deposits | 10,723,000 | 11,221,000 | 13,602,000 | 15,263,000 |
| Equity capital | 8,285,000 | 9,224,000 | 9,585,000 | 9,847,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,045,000 | 4,302,000 | 6,717,000 | 9,067,000 |
| Interest expense | 954,000 | 1,988,000 | 3,155,000 | 4,230,000 |
| Net interest income | 1,091,000 | 2,314,000 | 3,562,000 | 4,837,000 |
| Noninterest income | 162,000 | 306,000 | 521,000 | 702,000 |
| Noninterest expense | 815,000 | 1,655,000 | 2,582,000 | 3,532,000 |
| Provision for loan losses | 24,000 | 124,000 | 199,000 | 262,000 |
| Pretax income | 414,000 | 841,000 | 1,302,000 | 1,745,000 |
| Income tax | 57,000 | 218,000 | 378,000 | 605,000 |
| Net income | 357,000 | 623,000 | 924,000 | 1,140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,311,000 | 9,278,000 | 9,579,000 | 9,794,000 |
| Total capital | 9,265,000 | 10,280,000 | 10,641,000 | 10,894,000 |
| Risk-weighted assets | 92,550,000 | 99,432,000 | 105,112,000 | 104,815,000 |