Call reports 2005
OZONA BANK — 2005
What OZONA BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 142,156,000 | 143,308,000 | 152,795,000 | 167,312,000 |
| Total loans | 67,696,000 | 67,282,000 | 68,440,000 | 71,279,000 |
| Allowance for loan losses | 775,000 | 730,000 | 673,000 | 918,000 |
| Securities available for sale | 42,155,000 | 47,839,000 | 51,394,000 | 53,663,000 |
| Securities held to maturity | 9,012,000 | 8,980,000 | 7,556,000 | 8,991,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,561,000 | 123,998,000 | 133,070,000 | 148,224,000 |
| Interest-bearing deposits | 87,957,000 | 88,000,000 | 93,731,000 | 102,224,000 |
| Noninterest-bearing deposits | 35,604,000 | 35,998,000 | 39,339,000 | 46,000,000 |
| Equity capital | 17,793,000 | 18,502,000 | 18,784,000 | 18,322,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,599,000 | 3,308,000 | 5,094,000 | 7,085,000 |
| Interest expense | 216,000 | 484,000 | 790,000 | 1,145,000 |
| Net interest income | 1,383,000 | 2,824,000 | 4,304,000 | 5,940,000 |
| Noninterest income | 381,000 | 1,107,000 | 1,471,000 | 1,870,000 |
| Noninterest expense | 1,334,000 | 2,678,000 | 4,039,000 | 5,438,000 |
| Provision for loan losses | 0 | 0 | 0 | 275,000 |
| Pretax income | 430,000 | 1,253,000 | 1,736,000 | 2,097,000 |
| Income tax | 121,000 | 282,000 | 425,000 | 520,000 |
| Net income | 309,000 | 971,000 | 1,311,000 | 1,577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,116,000 | 18,778,000 | 19,117,000 | 18,783,000 |
| Total capital | 18,891,000 | 19,508,000 | 19,790,000 | 19,701,000 |
| Risk-weighted assets | 81,614,000 | 81,355,000 | 83,544,000 | 89,651,000 |
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