Call reports 2016
ONE COMMUNITY BANK — 2016
What ONE COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 235,017,000 | 242,023,000 | 260,278,000 | 257,551,000 |
| Total loans | 210,400,000 | 215,484,000 | 229,441,000 | 229,876,000 |
| Allowance for loan losses | 3,281,000 | 3,354,000 | 3,365,000 | 3,365,000 |
| Securities available for sale | 10,906,000 | 11,913,000 | 12,085,000 | 11,718,000 |
| Securities held to maturity | 500,000 | 500,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,505,000 | 186,177,000 | 200,658,000 | 198,313,000 |
| Interest-bearing deposits | 146,482,000 | 143,898,000 | 152,724,000 | 150,529,000 |
| Noninterest-bearing deposits | 40,023,000 | 42,279,000 | 47,934,000 | 47,784,000 |
| Equity capital | 31,123,000 | 31,933,000 | 33,141,000 | 33,767,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,612,000 | 5,220,000 | 8,048,000 | 10,785,000 |
| Interest expense | 234,000 | 477,000 | 741,000 | 1,011,000 |
| Net interest income | 2,378,000 | 4,743,000 | 7,307,000 | 9,774,000 |
| Noninterest income | 396,000 | 786,000 | 1,389,000 | 1,880,000 |
| Noninterest expense | 1,261,000 | 2,611,000 | 3,971,000 | 5,502,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,513,000 | 2,918,000 | 4,725,000 | 6,152,000 |
| Income tax | 579,000 | 1,109,000 | 1,822,000 | 2,327,000 |
| Net income | 934,000 | 1,667,000 | 2,903,000 | 3,825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,895,000 | 31,628,000 | 32,864,000 | 33,786,000 |
| Total capital | 33,598,000 | 34,354,000 | 35,761,000 | 36,760,000 |
| Risk-weighted assets | 215,674,000 | 217,332,000 | 231,278,000 | 237,507,000 |