Call reports 2003
ONE COMMUNITY BANK — 2003
What ONE COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 118,657,000 | 128,265,000 | 126,814,000 | 129,053,000 |
| Total loans | 84,136,000 | 85,601,000 | 91,944,000 | 93,905,000 |
| Allowance for loan losses | 820,000 | 836,000 | 853,000 | 879,000 |
| Securities available for sale | 11,397,000 | 14,728,000 | 15,400,000 | 13,725,000 |
| Securities held to maturity | 6,809,000 | 6,710,000 | 6,712,000 | 6,948,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,311,000 | 100,365,000 | 98,416,000 | 100,869,000 |
| Interest-bearing deposits | 75,950,000 | 76,801,000 | 82,860,000 | 80,362,000 |
| Noninterest-bearing deposits | 15,361,000 | 23,564,000 | 15,556,000 | 20,507,000 |
| Equity capital | 15,730,000 | 16,238,000 | 16,781,000 | 16,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,645,000 | 3,238,000 | 4,841,000 | 6,443,000 |
| Interest expense | 581,000 | 1,148,000 | 1,682,000 | 2,194,000 |
| Net interest income | 1,064,000 | 2,090,000 | 3,159,000 | 4,249,000 |
| Noninterest income | 345,000 | 821,000 | 1,302,000 | 1,501,000 |
| Noninterest expense | 604,000 | 1,249,000 | 1,914,000 | 2,520,000 |
| Provision for loan losses | 82,000 | 117,000 | 135,000 | 165,000 |
| Pretax income | 723,000 | 1,545,000 | 2,412,000 | 3,103,000 |
| Income tax | 230,000 | 517,000 | 808,000 | 1,025,000 |
| Net income | 493,000 | 1,028,000 | 1,604,000 | 2,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,600,000 | 16,134,000 | 16,711,000 | 16,684,000 |
| Total capital | 16,420,000 | 16,970,000 | 17,564,000 | 17,563,000 |
| Risk-weighted assets | 81,270,000 | 83,322,000 | 89,985,000 | 89,834,000 |