Call reports 2008
ONE AMERICAN BANK — 2008
What ONE AMERICAN BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 128,717,000 | 138,579,000 | 153,449,000 | 165,636,000 |
| Total loans | 111,581,000 | 123,347,000 | 137,699,000 | 142,547,000 |
| Allowance for loan losses | 1,172,000 | 1,160,000 | 1,387,000 | 2,259,000 |
| Securities available for sale | 7,986,000 | 7,609,000 | 7,438,000 | 7,207,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,412,000 | 114,956,000 | 126,737,000 | 138,696,000 |
| Interest-bearing deposits | 95,890,000 | 101,359,000 | 112,893,000 | 117,802,000 |
| Noninterest-bearing deposits | 13,522,000 | 13,598,000 | 13,844,000 | 20,894,000 |
| Equity capital | 10,122,000 | 11,504,000 | 12,109,000 | 11,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,340,000 | 4,674,000 | 7,231,000 | 9,714,000 |
| Interest expense | 991,000 | 1,893,000 | 2,906,000 | 4,013,000 |
| Net interest income | 1,349,000 | 2,781,000 | 4,325,000 | 5,701,000 |
| Noninterest income | 172,000 | 330,000 | 514,000 | 656,000 |
| Noninterest expense | 917,000 | 1,872,000 | 2,936,000 | 3,753,000 |
| Provision for loan losses | 184,000 | 224,000 | 84,000 | 2,084,000 |
| Pretax income | 420,000 | 1,015,000 | 1,819,000 | 520,000 |
| Income tax | 120,000 | 266,000 | 491,000 | 137,000 |
| Net income | 300,000 | 749,000 | 1,328,000 | 383,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,044,000 | 11,508,000 | 12,087,000 | 11,496,000 |
| Total capital | 11,216,000 | 12,668,000 | 13,474,000 | 13,209,000 |
| Risk-weighted assets | 109,532,000 | 121,234,000 | 134,372,000 | 135,752,000 |