Call reports 2002
OZONA BANK — 2002
What OZONA BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 124,797,000 | 125,305,000 | 125,046,000 | 128,202,000 |
| Total loans | 51,187,000 | 51,837,000 | 51,355,000 | 50,484,000 |
| Allowance for loan losses | 740,000 | 726,000 | 746,000 | 721,000 |
| Securities available for sale | 46,167,000 | 44,886,000 | 41,733,000 | 42,671,000 |
| Securities held to maturity | 4,879,000 | 5,926,000 | 6,099,000 | 7,054,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,583,000 | 106,512,000 | 105,697,000 | 109,432,000 |
| Interest-bearing deposits | 81,573,000 | 80,094,000 | 78,972,000 | 82,341,000 |
| Noninterest-bearing deposits | 25,010,000 | 26,418,000 | 26,725,000 | 27,091,000 |
| Equity capital | 17,048,000 | 17,625,000 | 18,047,000 | 17,770,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,648,000 | 3,300,000 | 4,867,000 | 6,364,000 |
| Interest expense | 380,000 | 704,000 | 1,005,000 | 1,272,000 |
| Net interest income | 1,268,000 | 2,596,000 | 3,862,000 | 5,092,000 |
| Noninterest income | 335,000 | 695,000 | 1,063,000 | 1,477,000 |
| Noninterest expense | 1,201,000 | 2,352,000 | 3,633,000 | 4,888,000 |
| Provision for loan losses | 0 | 0 | 35,000 | 35,000 |
| Pretax income | 402,000 | 939,000 | 1,257,000 | 1,643,000 |
| Income tax | 114,000 | 274,000 | 359,000 | 475,000 |
| Net income | 288,000 | 665,000 | 898,000 | 1,168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,830,000 | 17,207,000 | 17,440,000 | 17,210,000 |
| Total capital | 17,570,000 | 17,933,000 | 18,186,000 | 17,931,000 |
| Risk-weighted assets | 65,225,000 | 67,518,000 | 65,849,000 | 66,145,000 |
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