Call reports 2020
BANK OF ODESSA — 2020
What BANK OF ODESSA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 286,877,000 | 303,335,000 | 307,615,000 | 314,900,000 |
| Total loans | 228,682,000 | 235,814,000 | 237,969,000 | 237,772,000 |
| Allowance for loan losses | 1,795,000 | 2,024,000 | 2,086,000 | 2,338,000 |
| Securities available for sale | 41,053,000 | 42,845,000 | 46,265,000 | 46,671,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,445,000 | 240,071,000 | 251,092,000 | 257,450,000 |
| Interest-bearing deposits | 185,719,000 | 201,851,000 | 207,609,000 | 212,549,000 |
| Noninterest-bearing deposits | 38,726,000 | 38,220,000 | 43,483,000 | 44,901,000 |
| Equity capital | 49,732,000 | 50,662,000 | 51,820,000 | 52,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,172,000 | 6,395,000 | 9,636,000 | 12,999,000 |
| Interest expense | 726,000 | 1,375,000 | 1,990,000 | 2,536,000 |
| Net interest income | 2,446,000 | 5,020,000 | 7,646,000 | 10,463,000 |
| Noninterest income | 98,000 | 225,000 | 366,000 | 478,000 |
| Noninterest expense | 1,077,000 | 2,151,000 | 3,004,000 | 4,128,000 |
| Provision for loan losses | 150,000 | 500,000 | 750,000 | 1,250,000 |
| Pretax income | 1,339,000 | 2,663,000 | 4,339,000 | 5,652,000 |
| Income tax | 286,000 | 598,000 | 1,069,000 | 1,337,000 |
| Net income | 1,053,000 | 2,065,000 | 3,270,000 | 4,315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,500,000 | 50,512,000 | 51,717,000 | 52,762,000 |
| Total capital | 51,295,000 | 52,536,000 | 53,803,000 | 55,100,000 |
| Risk-weighted assets | 151,733,000 | 190,713,000 | 192,973,000 | 191,383,000 |