Call reports 2008
OZONA BANK — 2008
What OZONA BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 173,644,000 | 169,906,000 | 171,565,000 | 174,791,000 |
| Total loans | 91,485,000 | 95,831,000 | 97,441,000 | 101,938,000 |
| Allowance for loan losses | 937,000 | 953,000 | 919,000 | 988,000 |
| Securities available for sale | 43,291,000 | 40,332,000 | 39,417,000 | 37,817,000 |
| Securities held to maturity | 12,117,000 | 12,795,000 | 10,957,000 | 11,472,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,423,000 | 146,938,000 | 147,673,000 | 151,974,000 |
| Interest-bearing deposits | 102,312,000 | 100,268,000 | 102,758,000 | 105,043,000 |
| Noninterest-bearing deposits | 48,111,000 | 46,670,000 | 44,915,000 | 46,931,000 |
| Equity capital | 21,871,000 | 21,952,000 | 22,652,000 | 21,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,567,000 | 5,007,000 | 7,377,000 | 9,578,000 |
| Interest expense | 664,000 | 1,192,000 | 1,674,000 | 2,114,000 |
| Net interest income | 1,903,000 | 3,815,000 | 5,703,000 | 7,464,000 |
| Noninterest income | 519,000 | 1,001,000 | 1,507,000 | 1,907,000 |
| Noninterest expense | 1,612,000 | 3,145,000 | 4,741,000 | 6,567,000 |
| Provision for loan losses | 0 | 0 | 0 | 200,000 |
| Pretax income | 810,000 | 1,671,000 | 2,469,000 | 2,600,000 |
| Income tax | 238,000 | 494,000 | 730,000 | 865,000 |
| Net income | 572,000 | 1,177,000 | 1,739,000 | 1,735,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,132,000 | 21,737,000 | 22,169,000 | 20,972,000 |
| Total capital | 22,069,000 | 22,690,000 | 23,088,000 | 21,960,000 |
| Risk-weighted assets | 105,954,000 | 107,924,000 | 112,070,000 | 114,346,000 |
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