Call reports 2004
FIRST BANK OF OWASSO — 2004
What FIRST BANK OF OWASSO reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 178,932,000 | 184,511,000 | 187,449,000 | 189,853,000 |
| Total loans | 116,778,000 | 121,626,000 | 125,829,000 | 128,930,000 |
| Allowance for loan losses | 1,161,000 | 1,192,000 | 1,221,000 | 1,230,000 |
| Securities available for sale | 54,888,000 | 55,343,000 | 55,939,000 | 54,767,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,351,000 | 137,115,000 | 138,316,000 | 129,445,000 |
| Interest-bearing deposits | 106,764,000 | 109,205,000 | 110,616,000 | 101,863,000 |
| Noninterest-bearing deposits | 26,587,000 | 27,910,000 | 27,700,000 | 27,582,000 |
| Equity capital | 13,593,000 | 11,375,000 | 13,291,000 | 14,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,145,000 | 4,455,000 | 6,908,000 | 9,496,000 |
| Interest expense | 537,000 | 1,040,000 | 1,566,000 | 2,193,000 |
| Net interest income | 1,608,000 | 3,415,000 | 5,342,000 | 7,303,000 |
| Noninterest income | 311,000 | 677,000 | 1,030,000 | 1,379,000 |
| Noninterest expense | 1,191,000 | 2,396,000 | 3,637,000 | 4,865,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 121,000 |
| Pretax income | 698,000 | 1,636,000 | 2,645,000 | 3,696,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 698,000 | 1,636,000 | 2,645,000 | 3,696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,265,000 | 13,091,000 | 13,542,000 | 14,593,000 |
| Total capital | 14,426,000 | 14,283,000 | 14,763,000 | 15,823,000 |
| Risk-weighted assets | 128,571,000 | 140,116,000 | 143,080,000 | 143,096,000 |
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