Call reports 2007
OZONA BANK — 2007
What OZONA BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 166,539,000 | 169,392,000 | 168,723,000 | 166,461,000 |
| Total loans | 83,793,000 | 83,430,000 | 86,950,000 | 89,763,000 |
| Allowance for loan losses | 979,000 | 876,000 | 873,000 | 974,000 |
| Securities available for sale | 52,748,000 | 55,505,000 | 52,896,000 | 47,326,000 |
| Securities held to maturity | 10,607,000 | 10,982,000 | 12,422,000 | 12,712,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,648,000 | 148,120,000 | 146,243,000 | 144,417,000 |
| Interest-bearing deposits | 98,846,000 | 100,661,000 | 100,183,000 | 97,659,000 |
| Noninterest-bearing deposits | 46,802,000 | 47,459,000 | 46,060,000 | 46,758,000 |
| Equity capital | 19,845,000 | 20,332,000 | 21,334,000 | 20,875,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,387,000 | 5,085,000 | 7,814,000 | 10,546,000 |
| Interest expense | 676,000 | 1,441,000 | 2,223,000 | 2,921,000 |
| Net interest income | 1,711,000 | 3,644,000 | 5,591,000 | 7,625,000 |
| Noninterest income | 433,000 | 862,000 | 1,412,000 | 1,856,000 |
| Noninterest expense | 1,395,000 | 2,907,000 | 4,473,000 | 6,462,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 749,000 | 1,599,000 | 2,464,000 | 2,953,000 |
| Income tax | 224,000 | 483,000 | 746,000 | 875,000 |
| Net income | 525,000 | 1,116,000 | 1,718,000 | 2,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,007,000 | 20,598,000 | 21,200,000 | 20,560,000 |
| Total capital | 20,986,000 | 21,474,000 | 22,073,000 | 21,534,000 |
| Risk-weighted assets | 100,951,000 | 100,060,000 | 100,168,000 | 100,501,000 |
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