Call reports 2004
OZONA BANK — 2004
What OZONA BANK 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 | 141,172,000 | 140,597,000 | 140,553,000 | 141,756,000 |
| Total loans | 65,688,000 | 66,729,000 | 67,424,000 | 67,371,000 |
| Allowance for loan losses | 742,000 | 704,000 | 407,000 | 779,000 |
| Securities available for sale | 40,134,000 | 40,445,000 | 42,442,000 | 41,790,000 |
| Securities held to maturity | 8,220,000 | 9,384,000 | 9,049,000 | 10,204,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,901,000 | 121,778,000 | 120,935,000 | 123,429,000 |
| Interest-bearing deposits | 88,403,000 | 87,375,000 | 87,027,000 | 88,372,000 |
| Noninterest-bearing deposits | 33,498,000 | 34,403,000 | 33,908,000 | 35,057,000 |
| Equity capital | 18,193,000 | 18,008,000 | 18,497,000 | 17,688,000 |
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 | 1,457,000 | 2,901,000 | 4,434,000 | 6,021,000 |
| Interest expense | 157,000 | 310,000 | 466,000 | 633,000 |
| Net interest income | 1,300,000 | 2,591,000 | 3,968,000 | 5,388,000 |
| Noninterest income | 421,000 | 852,000 | 1,228,000 | 1,631,000 |
| Noninterest expense | 1,252,000 | 2,585,000 | 3,886,000 | 5,370,000 |
| Provision for loan losses | 0 | 0 | 0 | 400,000 |
| Pretax income | 469,000 | 858,000 | 1,310,000 | 1,249,000 |
| Income tax | 136,000 | 244,000 | 373,000 | 335,000 |
| Net income | 333,000 | 614,000 | 937,000 | 914,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,826,000 | 18,107,000 | 18,429,000 | 17,807,000 |
| Total capital | 18,568,000 | 18,811,000 | 18,836,000 | 18,586,000 |
| Risk-weighted assets | 79,392,000 | 80,118,000 | 81,274,000 | 82,430,000 |
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