Call reports 2015
ONE COMMUNITY BANK — 2015
What ONE COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 206,494,000 | 220,503,000 | 221,609,000 | 228,555,000 |
| Total loans | 176,077,000 | 186,553,000 | 187,008,000 | 200,710,000 |
| Allowance for loan losses | 2,896,000 | 2,908,000 | 2,922,000 | 3,277,000 |
| Securities available for sale | 9,631,000 | 8,744,000 | 8,475,000 | 9,953,000 |
| Securities held to maturity | 4,497,000 | 4,497,000 | 4,000,000 | 3,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,848,000 | 176,902,000 | 174,625,000 | 181,033,000 |
| Interest-bearing deposits | 129,598,000 | 140,249,000 | 138,507,000 | 142,368,000 |
| Noninterest-bearing deposits | 34,250,000 | 36,653,000 | 36,118,000 | 38,665,000 |
| Equity capital | 27,361,000 | 28,246,000 | 29,233,000 | 30,118,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,162,000 | 4,489,000 | 6,926,000 | 9,551,000 |
| Interest expense | 195,000 | 404,000 | 625,000 | 851,000 |
| Net interest income | 1,967,000 | 4,085,000 | 6,301,000 | 8,700,000 |
| Noninterest income | 376,000 | 897,000 | 1,211,000 | 1,355,000 |
| Noninterest expense | 1,066,000 | 2,211,000 | 3,320,000 | 4,535,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,277,000 | 2,771,000 | 4,192,000 | 5,520,000 |
| Income tax | 479,000 | 1,048,000 | 1,582,000 | 2,096,000 |
| Net income | 809,000 | 1,785,000 | 2,702,000 | 3,555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,573,000 | 27,654,000 | 29,108,000 | 29,961,000 |
| Total capital | 28,871,000 | 30,079,000 | 31,524,000 | 32,563,000 |
| Risk-weighted assets | 183,265,000 | 193,231,000 | 192,801,000 | 207,469,000 |