Call reports 2015
ONE AMERICAN BANK — 2015
What ONE AMERICAN BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 84,356,000 | 80,621,000 | 79,898,000 | 82,424,000 |
| Total loans | 66,453,000 | 65,474,000 | 66,122,000 | 66,651,000 |
| Allowance for loan losses | 2,333,000 | 2,955,000 | 2,977,000 | 3,287,000 |
| Securities available for sale | 5,896,000 | 5,164,000 | 3,566,000 | 3,195,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,641,000 | 65,616,000 | 65,269,000 | 65,280,000 |
| Interest-bearing deposits | 55,831,000 | 54,169,000 | 52,878,000 | 52,493,000 |
| Noninterest-bearing deposits | 13,810,000 | 11,447,000 | 12,391,000 | 12,787,000 |
| Equity capital | 12,845,000 | 13,183,000 | 13,216,000 | 14,773,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,413,000 | 3,037,000 | 4,600,000 | 6,046,000 |
| Interest expense | 141,000 | 251,000 | 348,000 | 440,000 |
| Net interest income | 1,272,000 | 2,786,000 | 4,252,000 | 5,606,000 |
| Noninterest income | 1,346,000 | 2,691,000 | 3,036,000 | 4,007,000 |
| Noninterest expense | 1,731,000 | 3,333,000 | 4,664,000 | 6,467,000 |
| Provision for loan losses | 893,000 | 1,783,000 | 2,239,000 | 3,105,000 |
| Pretax income | -6,000 | 361,000 | 385,000 | 41,000 |
| Income tax | 28,000 | 34,000 | 40,000 | -1,870,000 |
| Net income | -34,000 | 327,000 | 345,000 | 1,911,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,793,000 | 13,157,000 | 13,177,000 | 13,980,000 |
| Total capital | 13,704,000 | 14,058,000 | 14,067,000 | 14,884,000 |
| Risk-weighted assets | 71,509,000 | 70,021,000 | 69,174,000 | 69,915,000 |