Call reports 2008
ONE COMMUNITY BANK — 2008
What ONE COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 208,209,000 | 216,942,000 | 214,290,000 | 220,808,000 |
| Total loans | 166,973,000 | 181,149,000 | 178,438,000 | 182,550,000 |
| Allowance for loan losses | 1,340,000 | 1,376,000 | 2,211,000 | 1,907,000 |
| Securities available for sale | 17,134,000 | 17,915,000 | 17,652,000 | 17,871,000 |
| Securities held to maturity | 6,378,000 | 6,379,000 | 4,989,000 | 4,819,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,991,000 | 174,343,000 | 166,784,000 | 174,811,000 |
| Interest-bearing deposits | 148,296,000 | 154,004,000 | 147,068,000 | 151,176,000 |
| Noninterest-bearing deposits | 20,695,000 | 20,339,000 | 19,716,000 | 23,635,000 |
| Equity capital | 24,766,000 | 25,000,000 | 24,419,000 | 25,519,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,380,000 | 6,258,000 | 9,304,000 | 12,167,000 |
| Interest expense | 1,600,000 | 3,019,000 | 4,392,000 | 5,660,000 |
| Net interest income | 1,780,000 | 3,239,000 | 4,912,000 | 6,507,000 |
| Noninterest income | 252,000 | 453,000 | 641,000 | 846,000 |
| Noninterest expense | 864,000 | 1,720,000 | 2,831,000 | 3,661,000 |
| Provision for loan losses | 37,000 | 73,000 | 1,421,000 | 1,463,000 |
| Pretax income | 1,131,000 | 1,899,000 | 1,294,000 | 2,222,000 |
| Income tax | 415,000 | 687,000 | 605,000 | 685,000 |
| Net income | 716,000 | 1,212,000 | 689,000 | 1,537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,616,000 | 25,108,000 | 24,589,000 | 25,437,000 |
| Total capital | 25,956,000 | 26,484,000 | 26,800,000 | 27,344,000 |
| Risk-weighted assets | 168,086,000 | 177,147,000 | 177,641,000 | 177,868,000 |