Call reports 2013
ONE COMMUNITY BANK — 2013
What ONE COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 162,764,000 | 169,673,000 | 173,829,000 | 176,743,000 |
| Total loans | 132,204,000 | 138,109,000 | 143,872,000 | 146,694,000 |
| Allowance for loan losses | 3,333,000 | 3,301,000 | 3,306,000 | 3,269,000 |
| Securities available for sale | 6,790,000 | 9,422,000 | 11,585,000 | 7,629,000 |
| Securities held to maturity | 0 | 0 | 0 | 4,997,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,619,000 | 139,993,000 | 143,827,000 | 146,090,000 |
| Interest-bearing deposits | 103,458,000 | 107,953,000 | 109,306,000 | 112,940,000 |
| Noninterest-bearing deposits | 29,161,000 | 32,040,000 | 34,521,000 | 33,150,000 |
| Equity capital | 22,873,000 | 22,341,000 | 22,631,000 | 23,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,768,000 | 3,615,000 | 5,495,000 | 7,460,000 |
| Interest expense | 178,000 | 358,000 | 538,000 | 719,000 |
| Net interest income | 1,590,000 | 3,257,000 | 4,957,000 | 6,741,000 |
| Noninterest income | 297,000 | 288,000 | 650,000 | 531,000 |
| Noninterest expense | 860,000 | 1,738,000 | 2,588,000 | 3,513,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,027,000 | 1,807,000 | 3,019,000 | 3,761,000 |
| Income tax | 393,000 | 695,000 | 1,161,000 | 1,429,000 |
| Net income | 634,000 | 1,167,000 | 1,858,000 | 2,332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,812,000 | 22,473,000 | 22,884,000 | 23,359,000 |
| Total capital | 24,505,000 | 24,187,000 | 24,645,000 | 25,174,000 |
| Risk-weighted assets | 133,770,000 | 135,915,000 | 139,502,000 | 143,763,000 |