Call reports 2008
BANK OF ODESSA — 2008
What BANK OF ODESSA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 247,662,000 | 243,313,000 | 241,902,000 | 244,061,000 |
| Total loans | 108,228,000 | 104,413,000 | 106,637,000 | 108,504,000 |
| Allowance for loan losses | 812,000 | 812,000 | 812,000 | 812,000 |
| Securities available for sale | 125,007,000 | 125,084,000 | 123,321,000 | 119,556,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,619,000 | 192,661,000 | 191,135,000 | 192,450,000 |
| Interest-bearing deposits | 178,337,000 | 174,527,000 | 174,266,000 | 176,848,000 |
| Noninterest-bearing deposits | 18,282,000 | 18,134,000 | 16,869,000 | 15,602,000 |
| Equity capital | 48,271,000 | 48,252,000 | 48,952,000 | 49,752,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,457,000 | 6,669,000 | 9,654,000 | 12,575,000 |
| Interest expense | 1,637,000 | 3,038,000 | 4,325,000 | 5,482,000 |
| Net interest income | 1,820,000 | 3,631,000 | 5,329,000 | 7,093,000 |
| Noninterest income | 73,000 | 154,000 | 232,000 | 302,000 |
| Noninterest expense | 655,000 | 1,314,000 | 1,937,000 | 2,725,000 |
| Provision for loan losses | 10,000 | 233,000 | 448,000 | 868,000 |
| Pretax income | 1,228,000 | 2,238,000 | 3,176,000 | 3,802,000 |
| Income tax | 385,000 | 680,000 | 941,000 | 1,093,000 |
| Net income | 843,000 | 1,558,000 | 2,235,000 | 2,709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,380,000 | 48,095,000 | 48,772,000 | 49,246,000 |
| Total capital | 48,192,000 | 48,907,000 | 49,584,000 | 50,058,000 |
| Risk-weighted assets | 116,754,000 | 114,013,000 | 114,184,000 | 114,923,000 |