Call reports 2016
OZONA BANK — 2016
What OZONA BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 231,599,000 | 231,356,000 | 232,612,000 | 238,779,000 |
| Total loans | 138,921,000 | 152,847,000 | 156,774,000 | 154,690,000 |
| Allowance for loan losses | 1,559,000 | 1,873,000 | 1,702,000 | 1,742,000 |
| Securities available for sale | 49,372,000 | 31,293,000 | 24,416,000 | 32,176,000 |
| Securities held to maturity | 19,501,000 | 19,098,000 | 19,007,000 | 18,905,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,452,000 | 206,368,000 | 207,300,000 | 214,176,000 |
| Interest-bearing deposits | 128,838,000 | 130,365,000 | 129,474,000 | 135,041,000 |
| Noninterest-bearing deposits | 77,614,000 | 76,003,000 | 77,825,000 | 79,135,000 |
| Equity capital | 24,247,000 | 23,954,000 | 24,143,000 | 23,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,330,000 | 4,699,000 | 7,106,000 | 9,586,000 |
| Interest expense | 38,000 | 77,000 | 115,000 | 153,000 |
| Net interest income | 2,292,000 | 4,622,000 | 6,991,000 | 9,433,000 |
| Noninterest income | 452,000 | 957,000 | 1,472,000 | 1,908,000 |
| Noninterest expense | 2,354,000 | 4,683,000 | 6,989,000 | 9,063,000 |
| Provision for loan losses | 0 | 319,000 | 664,000 | 907,000 |
| Pretax income | 801,000 | 979,000 | 1,212,000 | 1,771,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 801,000 | 979,000 | 1,212,000 | 1,771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,070,000 | 23,685,000 | 23,917,000 | 23,535,000 |
| Total capital | 25,663,000 | 25,592,000 | 25,653,000 | 25,310,000 |
| Risk-weighted assets | 150,032,000 | 159,990,000 | 162,589,000 | 164,224,000 |