Call reports 2020
OZONA BANK — 2020
What OZONA BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 273,097,000 | 305,219,000 | 313,378,000 | 302,977,000 |
| Total loans | 123,879,000 | 130,366,000 | 124,349,000 | 116,844,000 |
| Allowance for loan losses | 1,917,000 | 1,846,000 | 1,994,000 | 2,258,000 |
| Securities available for sale | 60,255,000 | 54,010,000 | 44,525,000 | 47,931,000 |
| Securities held to maturity | 25,092,000 | 32,856,000 | 35,697,000 | 35,734,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,170,000 | 271,423,000 | 279,272,000 | 269,346,000 |
| Interest-bearing deposits | 140,456,000 | 148,950,000 | 149,988,000 | 148,002,000 |
| Noninterest-bearing deposits | 99,714,000 | 122,473,000 | 129,284,000 | 121,344,000 |
| Equity capital | 31,941,000 | 32,677,000 | 32,927,000 | 32,635,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,648,000 | 5,133,000 | 7,530,000 | 9,691,000 |
| Interest expense | 97,000 | 179,000 | 250,000 | 314,000 |
| Net interest income | 2,551,000 | 4,954,000 | 7,280,000 | 9,377,000 |
| Noninterest income | 417,000 | 778,000 | 1,398,000 | 1,773,000 |
| Noninterest expense | 2,448,000 | 4,756,000 | 6,890,000 | 9,114,000 |
| Provision for loan losses | 17,000 | 167,000 | 316,000 | 590,000 |
| Pretax income | 503,000 | 809,000 | 1,470,000 | 1,458,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 503,000 | 809,000 | 1,470,000 | 1,458,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,889,000 | 31,195,000 | 31,656,000 | 31,644,000 |
| Total capital | 32,546,000 | 32,773,000 | 33,155,000 | 33,107,000 |
| Risk-weighted assets | 132,245,000 | 125,969,000 | 119,369,000 | 116,226,000 |
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