Call reports 2005
BANK OF ODESSA — 2005
What BANK OF ODESSA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 279,319,000 | 278,808,000 | 274,323,000 | 269,462,000 |
| Total loans | 119,667,000 | 119,251,000 | 117,310,000 | 115,944,000 |
| Allowance for loan losses | 836,000 | 763,000 | 812,000 | 812,000 |
| Securities available for sale | 149,087,000 | 148,611,000 | 145,635,000 | 144,002,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,779,000 | 228,692,000 | 223,608,000 | 218,445,000 |
| Interest-bearing deposits | 213,585,000 | 211,521,000 | 205,878,000 | 201,901,000 |
| Noninterest-bearing deposits | 15,194,000 | 17,171,000 | 17,730,000 | 16,544,000 |
| Equity capital | 47,202,000 | 48,299,000 | 49,085,000 | 49,653,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,253,000 | 6,539,000 | 9,770,000 | 13,090,000 |
| Interest expense | 1,310,000 | 2,755,000 | 4,228,000 | 5,684,000 |
| Net interest income | 1,943,000 | 3,784,000 | 5,542,000 | 7,406,000 |
| Noninterest income | 122,000 | 201,000 | 295,000 | 429,000 |
| Noninterest expense | 612,000 | 1,217,000 | 1,800,000 | 2,480,000 |
| Provision for loan losses | 0 | 37,000 | 24,000 | 203,000 |
| Pretax income | 1,455,000 | 2,731,000 | 4,013,000 | 5,152,000 |
| Income tax | 469,000 | 875,000 | 1,297,000 | 1,630,000 |
| Net income | 986,000 | 1,856,000 | 2,716,000 | 3,522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,505,000 | 48,375,000 | 49,235,000 | 50,041,000 |
| Total capital | 48,341,000 | 49,138,000 | 50,047,000 | 50,853,000 |
| Risk-weighted assets | 117,897,000 | 115,293,000 | 111,774,000 | 109,806,000 |