Call reports 2003
OZONA BANK — 2003
What OZONA BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 128,002,000 | 133,361,000 | 137,793,000 | 140,570,000 |
| Total loans | 53,185,000 | 54,854,000 | 58,389,000 | 65,951,000 |
| Allowance for loan losses | 664,000 | 680,000 | 665,000 | 769,000 |
| Securities available for sale | 41,366,000 | 44,399,000 | 44,528,000 | 40,485,000 |
| Securities held to maturity | 8,977,000 | 9,212,000 | 8,528,000 | 8,350,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,834,000 | 113,767,000 | 118,379,000 | 121,980,000 |
| Interest-bearing deposits | 81,194,000 | 83,088,000 | 84,104,000 | 90,269,000 |
| Noninterest-bearing deposits | 27,640,000 | 30,679,000 | 34,275,000 | 31,711,000 |
| Equity capital | 18,009,000 | 18,298,000 | 18,284,000 | 17,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,404,000 | 2,888,000 | 4,297,000 | 5,732,000 |
| Interest expense | 224,000 | 436,000 | 601,000 | 762,000 |
| Net interest income | 1,180,000 | 2,452,000 | 3,696,000 | 4,970,000 |
| Noninterest income | 407,000 | 769,000 | 1,169,000 | 1,607,000 |
| Noninterest expense | 1,267,000 | 2,524,000 | 3,819,000 | 5,189,000 |
| Provision for loan losses | 0 | 35,000 | 35,000 | 210,000 |
| Pretax income | 320,000 | 662,000 | 1,011,000 | 1,178,000 |
| Income tax | 84,000 | 174,000 | 268,000 | 295,000 |
| Net income | 236,000 | 488,000 | 743,000 | 883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,446,000 | 17,698,000 | 17,953,000 | 17,493,000 |
| Total capital | 18,110,000 | 18,378,000 | 18,618,000 | 18,262,000 |
| Risk-weighted assets | 68,552,000 | 70,930,000 | 72,468,000 | 78,764,000 |
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