Call reports 2010
ONE COMMUNITY BANK — 2010
What ONE COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 195,398,000 | 194,850,000 | 185,927,000 | 186,796,000 |
| Total loans | 147,053,000 | 144,346,000 | 139,618,000 | 143,012,000 |
| Allowance for loan losses | 4,043,000 | 4,341,000 | 2,120,000 | 1,995,000 |
| Securities available for sale | 13,092,000 | 11,880,000 | 10,508,000 | 12,786,000 |
| Securities held to maturity | 4,832,000 | 4,633,000 | 4,133,000 | 3,834,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,668,000 | 155,870,000 | 147,606,000 | 149,763,000 |
| Interest-bearing deposits | 137,725,000 | 136,543,000 | 124,822,000 | 122,641,000 |
| Noninterest-bearing deposits | 18,944,000 | 19,327,000 | 22,784,000 | 27,122,000 |
| Equity capital | 24,200,000 | 24,407,000 | 23,769,000 | 22,521,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,259,000 | 4,457,000 | 6,647,000 | 8,737,000 |
| Interest expense | 587,000 | 1,132,000 | 1,655,000 | 2,155,000 |
| Net interest income | 1,672,000 | 3,325,000 | 4,992,000 | 6,582,000 |
| Noninterest income | 200,000 | 431,000 | 760,000 | 1,103,000 |
| Noninterest expense | 970,000 | 2,429,000 | 4,750,000 | 7,352,000 |
| Provision for loan losses | 0 | 411,000 | 1,057,000 | 1,820,000 |
| Pretax income | 902,000 | 916,000 | -55,000 | -1,487,000 |
| Income tax | 0 | -164,000 | -422,000 | -706,000 |
| Net income | 902,000 | 1,080,000 | 367,000 | -781,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,152,000 | 24,330,000 | 23,617,000 | 22,469,000 |
| Total capital | 26,147,000 | 26,270,000 | 25,458,000 | 24,363,000 |
| Risk-weighted assets | 159,026,000 | 152,794,000 | 146,831,000 | 150,840,000 |