Call reports 2023
OZONA BANK — 2023
What OZONA BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 345,172,000 | 344,137,000 | 341,699,000 | 338,809,000 |
| Total loans | 137,067,000 | 134,913,000 | 130,394,000 | 128,125,000 |
| Allowance for loan losses | 1,877,000 | 1,872,000 | 1,870,000 | 2,058,000 |
| Securities available for sale | 137,796,000 | 136,947,000 | 132,791,000 | 135,692,000 |
| Securities held to maturity | 25,981,000 | 25,851,000 | 25,622,000 | 25,493,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,580,000 | 296,183,000 | 294,490,000 | 286,085,000 |
| Interest-bearing deposits | 165,328,000 | 158,671,000 | 154,922,000 | 155,745,000 |
| Noninterest-bearing deposits | 159,252,000 | 137,512,000 | 139,568,000 | 130,340,000 |
| Equity capital | 18,959,000 | 18,988,000 | 17,621,000 | 22,739,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,352,000 | 6,991,000 | 10,815,000 | 14,563,000 |
| Interest expense | 190,000 | 703,000 | 1,339,000 | 2,056,000 |
| Net interest income | 3,162,000 | 6,288,000 | 9,476,000 | 12,507,000 |
| Noninterest income | 407,000 | 816,000 | 1,214,000 | 1,652,000 |
| Noninterest expense | 2,598,000 | 5,296,000 | 7,858,000 | 10,771,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 225,000 |
| Pretax income | 987,000 | 1,823,000 | 2,822,000 | 3,178,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 987,000 | 1,823,000 | 2,822,000 | 3,178,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,119,000 | 37,553,000 | 38,362,000 | 38,720,000 |
| Total capital | 39,029,000 | 39,459,000 | 40,265,000 | 40,812,000 |
| Risk-weighted assets | 175,947,000 | 173,659,000 | 166,811,000 | 168,075,000 |
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