Call reports 2025
OZONA BANK — 2025
What OZONA BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 319,515,000 | 318,566,000 | 338,782,000 | 326,953,000 |
| Total loans | 137,388,000 | 137,853,000 | 156,151,000 | 158,172,000 |
| Allowance for loan losses | 2,067,000 | 2,566,000 | 2,812,000 | 2,307,000 |
| Securities available for sale | 123,826,000 | 120,584,000 | 120,788,000 | 120,367,000 |
| Securities held to maturity | 17,884,000 | 17,806,000 | 16,912,000 | 16,231,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,641,000 | 271,559,000 | 283,553,000 | 274,101,000 |
| Interest-bearing deposits | 150,011,000 | 144,129,000 | 151,019,000 | 151,963,000 |
| Noninterest-bearing deposits | 129,630,000 | 127,430,000 | 132,534,000 | 122,138,000 |
| Equity capital | 27,242,000 | 26,733,000 | 29,932,000 | 31,856,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,659,000 | 7,320,000 | 11,128,000 | 15,443,000 |
| Interest expense | 763,000 | 1,474,000 | 2,213,000 | 2,991,000 |
| Net interest income | 2,896,000 | 5,846,000 | 8,915,000 | 12,452,000 |
| Noninterest income | 533,000 | 1,097,000 | 1,657,000 | 2,270,000 |
| Noninterest expense | 2,884,000 | 5,941,000 | 8,772,000 | 12,039,000 |
| Provision for loan losses | 21,000 | 521,000 | 771,000 | 271,000 |
| Pretax income | 524,000 | 480,000 | 1,028,000 | 2,411,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 524,000 | 480,000 | 1,028,000 | 2,411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,033,000 | 40,885,000 | 41,434,000 | 42,442,000 |
| Total capital | 43,113,000 | 43,090,000 | 43,787,000 | 44,762,000 |
| Risk-weighted assets | 178,061,000 | 176,006,000 | 187,747,000 | 195,403,000 |
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