Call reports 2007
BANK OF ODESSA — 2007
What BANK OF ODESSA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 256,415,000 | 251,026,000 | 253,676,000 | 241,732,000 |
| Total loans | 106,648,000 | 110,261,000 | 110,171,000 | 109,258,000 |
| Allowance for loan losses | 825,000 | 839,000 | 812,000 | 812,000 |
| Securities available for sale | 138,366,000 | 131,138,000 | 127,462,000 | 124,797,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,269,000 | 200,414,000 | 200,555,000 | 189,215,000 |
| Interest-bearing deposits | 190,740,000 | 186,025,000 | 184,137,000 | 174,543,000 |
| Noninterest-bearing deposits | 15,529,000 | 14,389,000 | 16,418,000 | 14,672,000 |
| Equity capital | 47,564,000 | 48,275,000 | 49,638,000 | 50,385,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,608,000 | 7,259,000 | 11,020,000 | 14,537,000 |
| Interest expense | 1,717,000 | 3,515,000 | 5,332,000 | 7,039,000 |
| Net interest income | 1,891,000 | 3,744,000 | 5,688,000 | 7,498,000 |
| Noninterest income | 65,000 | 138,000 | 212,000 | 290,000 |
| Noninterest expense | 646,000 | 1,268,000 | 1,905,000 | 2,620,000 |
| Provision for loan losses | 0 | 0 | 173,000 | 323,000 |
| Pretax income | 1,310,000 | 2,614,000 | 3,822,000 | 4,845,000 |
| Income tax | 415,000 | 832,000 | 1,210,000 | 1,484,000 |
| Net income | 895,000 | 1,782,000 | 2,612,000 | 3,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,431,000 | 48,318,000 | 49,148,000 | 49,898,000 |
| Total capital | 48,256,000 | 49,157,000 | 49,960,000 | 50,710,000 |
| Risk-weighted assets | 112,861,000 | 117,086,000 | 117,317,000 | 114,883,000 |