Call reports 2014
BANK OF ODESSA — 2014
What BANK OF ODESSA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 235,825,000 | 239,292,000 | 236,315,000 | 229,432,000 |
| Total loans | 109,287,000 | 117,390,000 | 121,445,000 | 123,570,000 |
| Allowance for loan losses | 1,271,000 | 1,286,000 | 1,358,000 | 1,474,000 |
| Securities available for sale | 60,709,000 | 55,174,000 | 62,250,000 | 63,944,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,009,000 | 189,746,000 | 186,025,000 | 179,096,000 |
| Interest-bearing deposits | 150,286,000 | 149,366,000 | 163,181,000 | 153,657,000 |
| Noninterest-bearing deposits | 36,723,000 | 40,380,000 | 22,844,000 | 25,439,000 |
| Equity capital | 47,962,000 | 48,812,000 | 49,381,000 | 49,761,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,835,000 | 3,657,000 | 5,581,000 | 7,461,000 |
| Interest expense | 160,000 | 310,000 | 458,000 | 601,000 |
| Net interest income | 1,675,000 | 3,347,000 | 5,123,000 | 6,860,000 |
| Noninterest income | 201,000 | 561,000 | 733,000 | 878,000 |
| Noninterest expense | 925,000 | 1,799,000 | 2,724,000 | 3,743,000 |
| Provision for loan losses | 150,000 | 150,000 | 300,000 | 500,000 |
| Pretax income | 801,000 | 1,959,000 | 2,832,000 | 3,495,000 |
| Income tax | 242,000 | 596,000 | 877,000 | 1,077,000 |
| Net income | 559,000 | 1,363,000 | 1,955,000 | 2,418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,914,000 | 48,718,000 | 49,310,000 | 49,772,000 |
| Total capital | 49,185,000 | 50,004,000 | 50,668,000 | 51,158,000 |
| Risk-weighted assets | 102,226,000 | 106,137,000 | 109,008,000 | 110,952,000 |