Call reports 2005
ONE COMMUNITY BANK — 2005
What ONE COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 144,733,000 | 160,420,000 | 159,238,000 | 165,303,000 |
| Total loans | 110,447,000 | 120,162,000 | 124,367,000 | 124,330,000 |
| Allowance for loan losses | 975,000 | 1,070,000 | 1,094,000 | 1,119,000 |
| Securities available for sale | 15,811,000 | 16,322,000 | 17,195,000 | 17,908,000 |
| Securities held to maturity | 6,721,000 | 6,073,000 | 6,206,000 | 6,689,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,766,000 | 124,917,000 | 124,269,000 | 130,373,000 |
| Interest-bearing deposits | 91,490,000 | 105,222,000 | 104,117,000 | 100,029,000 |
| Noninterest-bearing deposits | 17,276,000 | 19,695,000 | 20,152,000 | 30,344,000 |
| Equity capital | 18,502,000 | 19,206,000 | 19,692,000 | 19,580,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,054,000 | 4,235,000 | 6,616,000 | 9,087,000 |
| Interest expense | 610,000 | 1,358,000 | 2,210,000 | 3,129,000 |
| Net interest income | 1,444,000 | 2,877,000 | 4,406,000 | 5,958,000 |
| Noninterest income | 259,000 | 513,000 | 732,000 | 920,000 |
| Noninterest expense | 745,000 | 1,491,000 | 2,262,000 | 3,106,000 |
| Provision for loan losses | 2,000 | 22,000 | 47,000 | 81,000 |
| Pretax income | 956,000 | 1,880,000 | 2,832,000 | 3,694,000 |
| Income tax | 329,000 | 670,000 | 1,009,000 | 1,317,000 |
| Net income | 627,000 | 1,210,000 | 1,823,000 | 2,377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,627,000 | 19,211,000 | 19,825,000 | 19,779,000 |
| Total capital | 19,602,000 | 20,281,000 | 20,919,000 | 20,898,000 |
| Risk-weighted assets | 106,765,000 | 116,195,000 | 121,100,000 | 120,768,000 |