Call reports 2004
ONE COMMUNITY BANK — 2004
What ONE COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 137,344,000 | 138,549,000 | 139,260,000 | 146,526,000 |
| Total loans | 98,831,000 | 98,865,000 | 104,770,000 | 104,595,000 |
| Allowance for loan losses | 903,000 | 927,000 | 951,000 | 975,000 |
| Securities available for sale | 13,759,000 | 16,160,000 | 15,760,000 | 13,014,000 |
| Securities held to maturity | 6,714,000 | 6,855,000 | 7,184,000 | 6,820,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,112,000 | 106,963,000 | 106,825,000 | 114,354,000 |
| Interest-bearing deposits | 89,190,000 | 90,919,000 | 90,256,000 | 91,634,000 |
| Noninterest-bearing deposits | 16,922,000 | 16,044,000 | 16,568,000 | 22,720,000 |
| Equity capital | 17,218,000 | 17,516,000 | 17,965,000 | 18,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,607,000 | 3,240,000 | 5,002,000 | 6,828,000 |
| Interest expense | 501,000 | 1,042,000 | 1,602,000 | 2,208,000 |
| Net interest income | 1,106,000 | 2,198,000 | 3,400,000 | 4,620,000 |
| Noninterest income | 242,000 | 513,000 | 746,000 | 995,000 |
| Noninterest expense | 604,000 | 1,252,000 | 2,011,000 | 2,710,000 |
| Provision for loan losses | 25,000 | 57,000 | 81,000 | 134,000 |
| Pretax income | 719,000 | 1,402,000 | 2,054,000 | 2,771,000 |
| Income tax | 230,000 | 455,000 | 777,000 | 925,000 |
| Net income | 489,000 | 947,000 | 1,277,000 | 1,846,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,174,000 | 17,631,000 | 17,961,000 | 18,001,000 |
| Total capital | 18,077,000 | 18,558,000 | 18,912,000 | 18,976,000 |
| Risk-weighted assets | 95,851,000 | 97,044,000 | 101,817,000 | 103,825,000 |