Call reports 2006
BANK OF ODESSA — 2006
What BANK OF ODESSA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 266,733,000 | 261,781,000 | 261,572,000 | 252,173,000 |
| Total loans | 111,605,000 | 109,054,000 | 110,155,000 | 107,495,000 |
| Allowance for loan losses | 831,000 | 812,000 | 812,000 | 812,000 |
| Securities available for sale | 140,325,000 | 138,814,000 | 142,598,000 | 135,430,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,171,000 | 212,799,000 | 210,155,000 | 200,421,000 |
| Interest-bearing deposits | 202,854,000 | 196,039,000 | 193,491,000 | 185,510,000 |
| Noninterest-bearing deposits | 15,317,000 | 16,760,000 | 16,664,000 | 14,911,000 |
| Equity capital | 47,012,000 | 47,658,000 | 49,124,000 | 49,783,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,285,000 | 6,862,000 | 10,342,000 | 13,820,000 |
| Interest expense | 1,501,000 | 3,072,000 | 4,697,000 | 6,394,000 |
| Net interest income | 1,784,000 | 3,790,000 | 5,645,000 | 7,426,000 |
| Noninterest income | 80,000 | 181,000 | 258,000 | 406,000 |
| Noninterest expense | 636,000 | 1,208,000 | 1,840,000 | 2,470,000 |
| Provision for loan losses | 0 | 41,000 | 57,000 | 735,000 |
| Pretax income | 1,235,000 | 2,729,000 | 4,014,000 | 4,627,000 |
| Income tax | 388,000 | 879,000 | 1,287,000 | 1,442,000 |
| Net income | 847,000 | 1,850,000 | 2,727,000 | 3,185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,378,000 | 48,382,000 | 49,258,000 | 49,716,000 |
| Total capital | 48,209,000 | 49,194,000 | 50,070,000 | 50,528,000 |
| Risk-weighted assets | 107,679,000 | 106,637,000 | 108,660,000 | 108,786,000 |