Call reports 2009
ONE COMMUNITY BANK — 2009
What ONE COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 215,230,000 | 216,714,000 | 201,870,000 | 199,218,000 |
| Total loans | 178,788,000 | 178,447,000 | 171,175,000 | 158,560,000 |
| Allowance for loan losses | 1,479,000 | 4,515,000 | 8,536,000 | 6,003,000 |
| Securities available for sale | 16,841,000 | 17,467,000 | 17,202,000 | 14,564,000 |
| Securities held to maturity | 4,819,000 | 4,593,000 | 4,718,000 | 4,718,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,538,000 | 173,985,000 | 160,871,000 | 161,498,000 |
| Interest-bearing deposits | 152,047,000 | 153,453,000 | 141,210,000 | 138,404,000 |
| Noninterest-bearing deposits | 21,491,000 | 20,532,000 | 19,661,000 | 23,094,000 |
| Equity capital | 26,021,000 | 24,764,000 | 22,380,000 | 23,316,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,711,000 | 5,265,000 | 7,741,000 | 10,146,000 |
| Interest expense | 1,116,000 | 2,066,000 | 2,899,000 | 3,604,000 |
| Net interest income | 1,595,000 | 3,199,000 | 4,842,000 | 6,542,000 |
| Noninterest income | 351,000 | 733,000 | 982,000 | 1,195,000 |
| Noninterest expense | 889,000 | 1,972,000 | 2,985,000 | 4,058,000 |
| Provision for loan losses | 337,000 | 3,382,000 | 8,382,000 | 10,514,000 |
| Pretax income | 795,000 | -1,347,000 | -5,468,000 | -6,760,000 |
| Income tax | 285,000 | -596,000 | -2,278,000 | -3,387,000 |
| Net income | 510,000 | -751,000 | -3,190,000 | -3,373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,948,000 | 24,686,000 | 22,251,000 | 23,249,000 |
| Total capital | 27,427,000 | 26,922,000 | 24,433,000 | 25,342,000 |
| Risk-weighted assets | 176,062,000 | 175,835,000 | 167,479,000 | 162,785,000 |