Call reports 2002
ONE COMMUNITY BANK — 2002
What ONE COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 111,300,000 | 112,749,000 | 124,329,000 | 126,078,000 |
| Total loans | 72,238,000 | 77,738,000 | 83,519,000 | 82,759,000 |
| Allowance for loan losses | 739,000 | 749,000 | 765,000 | 805,000 |
| Securities available for sale | 19,270,000 | 20,409,000 | 17,701,000 | 12,648,000 |
| Securities held to maturity | 8,451,000 | 8,157,000 | 8,158,000 | 7,594,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,769,000 | 86,495,000 | 96,148,000 | 98,041,000 |
| Interest-bearing deposits | 72,736,000 | 73,266,000 | 78,406,000 | 75,414,000 |
| Noninterest-bearing deposits | 13,033,000 | 13,229,000 | 17,742,000 | 22,627,000 |
| Equity capital | 13,663,000 | 14,210,000 | 14,867,000 | 15,290,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,793,000 | 3,566,000 | 5,473,000 | 7,312,000 |
| Interest expense | 686,000 | 1,349,000 | 2,032,000 | 2,676,000 |
| Net interest income | 1,107,000 | 2,217,000 | 3,441,000 | 4,636,000 |
| Noninterest income | 256,000 | 448,000 | 750,000 | 1,173,000 |
| Noninterest expense | 549,000 | 1,136,000 | 1,736,000 | 2,385,000 |
| Provision for loan losses | 10,000 | 47,000 | 64,000 | 111,000 |
| Pretax income | 812,000 | 1,490,000 | 2,422,000 | 3,344,000 |
| Income tax | 261,000 | 465,000 | 770,000 | 1,075,000 |
| Net income | 551,000 | 1,025,000 | 1,652,000 | 2,269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,638,000 | 14,013,000 | 14,639,000 | 15,106,000 |
| Total capital | 14,377,000 | 14,762,000 | 15,404,000 | 15,911,000 |
| Risk-weighted assets | 75,181,000 | 78,851,000 | 82,925,000 | 81,628,000 |