Call reports 2003
BANK OF ODESSA — 2003
What BANK OF ODESSA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 298,388,000 | 294,899,000 | 297,047,000 | 294,547,000 |
| Total loans | 136,216,000 | 134,502,000 | 137,234,000 | 137,705,000 |
| Allowance for loan losses | 812,000 | 827,000 | 883,000 | 812,000 |
| Securities available for sale | 142,762,000 | 144,843,000 | 149,945,000 | 145,796,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,577,000 | 236,591,000 | 240,398,000 | 237,426,000 |
| Interest-bearing deposits | 225,884,000 | 221,758,000 | 225,370,000 | 221,704,000 |
| Noninterest-bearing deposits | 14,693,000 | 14,833,000 | 15,028,000 | 15,722,000 |
| Equity capital | 50,658,000 | 52,319,000 | 52,100,000 | 53,026,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,076,000 | 8,022,000 | 11,912,000 | 15,572,000 |
| Interest expense | 1,771,000 | 3,438,000 | 5,002,000 | 6,392,000 |
| Net interest income | 2,305,000 | 4,584,000 | 6,910,000 | 9,180,000 |
| Noninterest income | 65,000 | 158,000 | 256,000 | 348,000 |
| Noninterest expense | 570,000 | 1,130,000 | 1,773,000 | 2,404,000 |
| Provision for loan losses | 22,000 | 22,000 | 22,000 | 205,000 |
| Pretax income | 1,778,000 | 3,691,000 | 5,474,000 | 7,033,000 |
| Income tax | 563,000 | 1,177,000 | 1,757,000 | 2,203,000 |
| Net income | 1,215,000 | 2,514,000 | 3,717,000 | 4,830,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,713,000 | 49,012,000 | 49,795,000 | 50,908,000 |
| Total capital | 48,525,000 | 49,839,000 | 50,678,000 | 51,720,000 |
| Risk-weighted assets | 138,877,000 | 137,057,000 | 141,039,000 | 140,657,000 |