Call reports 2004
BANK OF ODESSA — 2004
What BANK OF ODESSA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 292,674,000 | 287,108,000 | 285,742,000 | 280,037,000 |
| Total loans | 129,865,000 | 127,710,000 | 123,652,000 | 120,243,000 |
| Allowance for loan losses | 940,000 | 795,000 | 813,000 | 812,000 |
| Securities available for sale | 145,693,000 | 145,324,000 | 147,119,000 | 145,987,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,081,000 | 232,066,000 | 228,771,000 | 223,759,000 |
| Interest-bearing deposits | 218,950,000 | 214,966,000 | 210,657,000 | 208,746,000 |
| Noninterest-bearing deposits | 15,131,000 | 17,100,000 | 18,114,000 | 15,013,000 |
| Equity capital | 52,892,000 | 52,746,000 | 53,984,000 | 54,471,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,770,000 | 7,396,000 | 10,745,000 | 14,092,000 |
| Interest expense | 1,229,000 | 2,377,000 | 3,558,000 | 4,809,000 |
| Net interest income | 2,541,000 | 5,019,000 | 7,187,000 | 9,283,000 |
| Noninterest income | 85,000 | 256,000 | 347,000 | 470,000 |
| Noninterest expense | 618,000 | 1,205,000 | 1,808,000 | 2,479,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 111,000 |
| Pretax income | 2,008,000 | 4,629,000 | 6,185,000 | 7,727,000 |
| Income tax | 646,000 | 1,555,000 | 2,059,000 | 2,516,000 |
| Net income | 1,362,000 | 3,074,000 | 4,126,000 | 5,211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,890,000 | 52,602,000 | 53,234,000 | 54,319,000 |
| Total capital | 51,830,000 | 53,397,000 | 54,047,000 | 55,131,000 |
| Risk-weighted assets | 133,707,000 | 127,881,000 | 124,613,000 | 120,516,000 |