Call reports 2009
ONE AMERICAN BANK — 2009
What ONE AMERICAN BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 164,589,000 | 153,029,000 | 153,907,000 | 141,964,000 |
| Total loans | 142,730,000 | 138,871,000 | 120,359,000 | 110,133,000 |
| Allowance for loan losses | 2,162,000 | 4,712,000 | 4,859,000 | 3,199,000 |
| Securities available for sale | 7,322,000 | 6,817,000 | 6,497,000 | 6,206,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,981,000 | 129,842,000 | 127,643,000 | 121,448,000 |
| Interest-bearing deposits | 126,526,000 | 118,505,000 | 115,901,000 | 108,768,000 |
| Noninterest-bearing deposits | 13,455,000 | 11,337,000 | 11,742,000 | 12,680,000 |
| Equity capital | 11,680,000 | 9,137,000 | 9,085,000 | 8,767,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,336,000 | 4,455,000 | 6,433,000 | 8,258,000 |
| Interest expense | 1,006,000 | 1,992,000 | 2,883,000 | 3,718,000 |
| Net interest income | 1,330,000 | 2,463,000 | 3,550,000 | 4,540,000 |
| Noninterest income | 173,000 | 341,000 | 540,000 | 686,000 |
| Noninterest expense | 896,000 | 2,054,000 | 3,257,000 | 4,630,000 |
| Provision for loan losses | 88,000 | 2,688,000 | 4,588,000 | 4,588,000 |
| Pretax income | 519,000 | -1,938,000 | -3,755,000 | -3,992,000 |
| Income tax | 185,000 | 238,000 | -1,456,000 | -1,402,000 |
| Net income | 334,000 | -2,176,000 | -2,299,000 | -2,590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,565,000 | 9,055,000 | 8,253,000 | 8,641,000 |
| Total capital | 13,278,000 | 10,739,000 | 9,862,000 | 10,144,000 |
| Risk-weighted assets | 135,817,000 | 131,675,000 | 125,491,000 | 118,543,000 |