Call reports 2007
ONE COMMUNITY BANK — 2007
What ONE COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 184,268,000 | 185,742,000 | 189,193,000 | 207,988,000 |
| Total loans | 151,414,000 | 148,383,000 | 155,168,000 | 171,649,000 |
| Allowance for loan losses | 1,240,000 | 1,264,000 | 1,273,000 | 1,304,000 |
| Securities available for sale | 16,518,000 | 15,746,000 | 17,628,000 | 18,009,000 |
| Securities held to maturity | 6,851,000 | 6,916,000 | 6,616,000 | 6,617,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,019,000 | 154,762,000 | 152,441,000 | 169,925,000 |
| Interest-bearing deposits | 130,051,000 | 132,760,000 | 130,207,000 | 142,984,000 |
| Noninterest-bearing deposits | 21,968,000 | 22,002,000 | 22,234,000 | 26,941,000 |
| Equity capital | 22,409,000 | 22,958,000 | 23,832,000 | 23,826,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,223,000 | 6,545,000 | 9,949,000 | 13,580,000 |
| Interest expense | 1,472,000 | 3,011,000 | 4,584,000 | 6,267,000 |
| Net interest income | 1,751,000 | 3,534,000 | 5,365,000 | 7,313,000 |
| Noninterest income | 168,000 | 352,000 | 550,000 | 756,000 |
| Noninterest expense | 794,000 | 1,618,000 | 2,416,000 | 3,247,000 |
| Provision for loan losses | 24,000 | 48,000 | 56,000 | 91,000 |
| Pretax income | 1,101,000 | 2,220,000 | 3,443,000 | 4,731,000 |
| Income tax | 414,000 | 829,000 | 1,270,000 | 1,763,000 |
| Net income | 687,000 | 1,391,000 | 2,173,000 | 2,968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,508,000 | 23,212,000 | 23,994,000 | 23,896,000 |
| Total capital | 23,748,000 | 24,476,000 | 25,267,000 | 25,200,000 |
| Risk-weighted assets | 148,831,000 | 151,187,000 | 155,902,000 | 171,166,000 |