Call reports 2019
OZONA BANK — 2019
What OZONA BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 265,166,000 | 279,296,000 | 273,229,000 | 266,626,000 |
| Total loans | 151,286,000 | 136,630,000 | 127,865,000 | 125,464,000 |
| Allowance for loan losses | 2,055,000 | 1,956,000 | 2,289,000 | 1,915,000 |
| Securities available for sale | 35,478,000 | 55,038,000 | 60,640,000 | 60,343,000 |
| Securities held to maturity | 24,312,000 | 24,966,000 | 25,226,000 | 25,109,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,452,000 | 248,268,000 | 241,482,000 | 234,515,000 |
| Interest-bearing deposits | 137,379,000 | 137,866,000 | 140,184,000 | 137,551,000 |
| Noninterest-bearing deposits | 98,074,000 | 110,402,000 | 101,298,000 | 96,965,000 |
| Equity capital | 28,740,000 | 29,960,000 | 30,580,000 | 30,897,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,782,000 | 5,647,000 | 8,650,000 | 11,394,000 |
| Interest expense | 81,000 | 171,000 | 266,000 | 364,000 |
| Net interest income | 2,701,000 | 5,476,000 | 8,384,000 | 11,030,000 |
| Noninterest income | 678,000 | 1,183,000 | 1,697,000 | 1,978,000 |
| Noninterest expense | 2,513,000 | 4,877,000 | 7,249,000 | 9,422,000 |
| Provision for loan losses | 11,000 | 19,000 | 20,000 | -344,000 |
| Pretax income | 855,000 | 1,762,000 | 2,812,000 | 3,929,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 855,000 | 1,762,000 | 2,812,000 | 3,929,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,691,000 | 29,386,000 | 30,018,000 | 30,386,000 |
| Total capital | 30,609,000 | 31,186,000 | 31,730,000 | 32,067,000 |
| Risk-weighted assets | 153,293,000 | 143,847,000 | 136,327,000 | 134,211,000 |
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