Call reports 2006
ONE COMMUNITY BANK — 2006
What ONE COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 162,769,000 | 176,133,000 | 179,535,000 | 181,414,000 |
| Total loans | 127,998,000 | 137,545,000 | 143,279,000 | 147,105,000 |
| Allowance for loan losses | 1,143,000 | 1,167,000 | 1,192,000 | 1,216,000 |
| Securities available for sale | 19,040,000 | 18,552,000 | 18,175,000 | 16,972,000 |
| Securities held to maturity | 7,059,000 | 6,885,000 | 6,885,000 | 6,850,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,165,000 | 142,066,000 | 143,897,000 | 148,320,000 |
| Interest-bearing deposits | 108,557,000 | 122,246,000 | 123,174,000 | 123,628,000 |
| Noninterest-bearing deposits | 18,608,000 | 19,820,000 | 20,723,000 | 24,692,000 |
| Equity capital | 20,105,000 | 20,645,000 | 21,593,000 | 21,666,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,683,000 | 5,540,000 | 8,620,000 | 11,880,000 |
| Interest expense | 1,044,000 | 2,246,000 | 3,544,000 | 4,987,000 |
| Net interest income | 1,639,000 | 3,294,000 | 5,076,000 | 6,893,000 |
| Noninterest income | 167,000 | 352,000 | 541,000 | 710,000 |
| Noninterest expense | 796,000 | 1,584,000 | 2,318,000 | 3,111,000 |
| Provision for loan losses | 115,000 | 139,000 | 164,000 | 188,000 |
| Pretax income | 895,000 | 1,923,000 | 3,144,000 | 4,313,000 |
| Income tax | 315,000 | 692,000 | 1,152,000 | 1,571,000 |
| Net income | 580,000 | 1,231,000 | 1,992,000 | 2,742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,359,000 | 21,010,000 | 21,771,000 | 21,821,000 |
| Total capital | 21,502,000 | 22,177,000 | 22,963,000 | 23,037,000 |
| Risk-weighted assets | 124,484,000 | 132,584,000 | 137,073,000 | 141,093,000 |