Call reports 2015
BANK OF ODESSA — 2015
What BANK OF ODESSA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 234,619,000 | 233,160,000 | 233,234,000 | 234,152,000 |
| Total loans | 126,671,000 | 128,368,000 | 133,375,000 | 141,291,000 |
| Allowance for loan losses | 1,637,000 | 1,764,000 | 1,755,000 | 1,938,000 |
| Securities available for sale | 70,841,000 | 72,678,000 | 73,414,000 | 70,888,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,576,000 | 183,864,000 | 183,207,000 | 184,030,000 |
| Interest-bearing deposits | 161,359,000 | 158,814,000 | 156,104,000 | 151,879,000 |
| Noninterest-bearing deposits | 24,217,000 | 25,050,000 | 27,103,000 | 32,151,000 |
| Equity capital | 48,245,000 | 48,810,000 | 49,474,000 | 49,693,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,929,000 | 3,876,000 | 5,811,000 | 7,854,000 |
| Interest expense | 136,000 | 270,000 | 425,000 | 581,000 |
| Net interest income | 1,793,000 | 3,606,000 | 5,386,000 | 7,273,000 |
| Noninterest income | 309,000 | 523,000 | 670,000 | 823,000 |
| Noninterest expense | 944,000 | 1,900,000 | 2,850,000 | 4,099,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,008,000 | 1,929,000 | 2,756,000 | 3,397,000 |
| Income tax | 317,000 | 608,000 | 866,000 | 1,060,000 |
| Net income | 691,000 | 1,321,000 | 1,890,000 | 2,337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,063,000 | 48,693,000 | 49,262,000 | 49,693,000 |
| Total capital | 49,501,000 | 50,117,000 | 50,693,000 | 51,183,000 |
| Risk-weighted assets | 114,837,000 | 113,553,000 | 114,182,000 | 118,740,000 |