Call reports 2014
ONE COMMUNITY BANK — 2014
What ONE COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 183,789,000 | 187,523,000 | 193,252,000 | 194,248,000 |
| Total loans | 160,003,000 | 162,337,000 | 163,672,000 | 168,060,000 |
| Allowance for loan losses | 3,272,000 | 3,366,000 | 2,894,000 | 2,893,000 |
| Securities available for sale | 7,741,000 | 7,784,000 | 10,278,000 | 9,427,000 |
| Securities held to maturity | 4,997,000 | 4,997,000 | 4,997,000 | 4,497,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,404,000 | 149,262,000 | 154,198,000 | 154,334,000 |
| Interest-bearing deposits | 118,825,000 | 115,886,000 | 120,480,000 | 119,632,000 |
| Noninterest-bearing deposits | 31,579,000 | 33,376,000 | 33,718,000 | 34,702,000 |
| Equity capital | 24,032,000 | 24,856,000 | 25,740,000 | 26,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,904,000 | 3,960,000 | 6,124,000 | 8,300,000 |
| Interest expense | 179,000 | 363,000 | 550,000 | 740,000 |
| Net interest income | 1,725,000 | 3,597,000 | 5,574,000 | 7,560,000 |
| Noninterest income | 222,000 | 501,000 | 751,000 | 1,070,000 |
| Noninterest expense | 874,000 | 1,789,000 | 2,682,000 | 3,721,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,073,000 | 2,307,000 | 3,641,000 | 4,907,000 |
| Income tax | 423,000 | 895,000 | 1,404,000 | 1,898,000 |
| Net income | 650,000 | 1,412,000 | 2,275,000 | 3,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,909,000 | 24,670,000 | 25,530,000 | 26,301,000 |
| Total capital | 25,836,000 | 26,650,000 | 27,521,000 | 28,321,000 |
| Risk-weighted assets | 153,021,000 | 156,992,000 | 158,352,000 | 160,737,000 |