Call reports 2015
OZONA BANK — 2015
What OZONA BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 224,633,000 | 221,974,000 | 228,653,000 | 224,733,000 |
| Total loans | 120,221,000 | 122,329,000 | 125,088,000 | 129,335,000 |
| Allowance for loan losses | 1,514,000 | 1,521,000 | 1,520,000 | 1,565,000 |
| Securities available for sale | 55,281,000 | 53,136,000 | 54,102,000 | 51,175,000 |
| Securities held to maturity | 9,638,000 | 11,968,000 | 17,012,000 | 19,924,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,051,000 | 198,024,000 | 203,646,000 | 200,205,000 |
| Interest-bearing deposits | 123,989,000 | 122,069,000 | 123,865,000 | 120,674,000 |
| Noninterest-bearing deposits | 77,062,000 | 75,955,000 | 79,781,000 | 79,531,000 |
| Equity capital | 22,748,000 | 22,997,000 | 23,959,000 | 23,511,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,102,000 | 4,190,000 | 6,376,000 | 8,827,000 |
| Interest expense | 44,000 | 83,000 | 123,000 | 162,000 |
| Net interest income | 2,058,000 | 4,107,000 | 6,253,000 | 8,665,000 |
| Noninterest income | 463,000 | 986,000 | 1,979,000 | 2,437,000 |
| Noninterest expense | 2,151,000 | 4,254,000 | 6,378,000 | 8,510,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 371,000 | 840,000 | 1,855,000 | 2,492,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 371,000 | 840,000 | 1,855,000 | 2,492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,858,000 | 23,103,000 | 23,840,000 | 23,647,000 |
| Total capital | 24,406,000 | 24,658,000 | 25,393,000 | 25,246,000 |
| Risk-weighted assets | 128,330,000 | 128,602,000 | 134,557,000 | 142,403,000 |
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