Call reports 2016
BANK OF ODESSA — 2016
What BANK OF ODESSA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 235,212,000 | 234,382,000 | 229,814,000 | 229,081,000 |
| Total loans | 144,734,000 | 154,221,000 | 159,880,000 | 160,487,000 |
| Allowance for loan losses | 2,039,000 | 2,173,000 | 2,285,000 | 1,471,000 |
| Securities available for sale | 59,575,000 | 58,998,000 | 52,163,000 | 51,172,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,571,000 | 184,953,000 | 179,808,000 | 177,664,000 |
| Interest-bearing deposits | 156,602,000 | 154,013,000 | 148,873,000 | 145,407,000 |
| Noninterest-bearing deposits | 29,969,000 | 30,940,000 | 30,935,000 | 32,257,000 |
| Equity capital | 48,126,000 | 48,900,000 | 49,538,000 | 50,071,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,053,000 | 4,197,000 | 6,391,000 | 8,624,000 |
| Interest expense | 156,000 | 312,000 | 466,000 | 621,000 |
| Net interest income | 1,897,000 | 3,885,000 | 5,925,000 | 8,003,000 |
| Noninterest income | 159,000 | 322,000 | 512,000 | 675,000 |
| Noninterest expense | 986,000 | 1,996,000 | 3,013,000 | 4,125,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 941,000 | 1,932,000 | 3,022,000 | 4,001,000 |
| Income tax | 302,000 | 628,000 | 975,000 | 1,293,000 |
| Net income | 639,000 | 1,304,000 | 2,047,000 | 2,708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,004,000 | 48,669,000 | 49,412,000 | 49,945,000 |
| Total capital | 49,524,000 | 50,307,000 | 51,089,000 | 51,416,000 |
| Risk-weighted assets | 121,120,000 | 130,545,000 | 133,533,000 | 133,205,000 |