Call reports 2025
BANK OF ODESSA — 2025
What BANK OF ODESSA reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 640,595,000 | 627,755,000 | 633,905,000 | 649,834,000 |
| Total loans | 449,323,000 | 444,096,000 | 447,467,000 | 463,395,000 |
| Allowance for loan losses | 6,244,000 | 6,170,000 | 6,279,000 | 6,252,000 |
| Securities available for sale | 46,276,000 | 46,139,000 | 46,185,000 | 39,232,000 |
| Securities held to maturity | 43,031,000 | 42,964,000 | 39,002,000 | 36,292,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 525,714,000 | 520,274,000 | 532,733,000 | 545,558,000 |
| Interest-bearing deposits | 459,322,000 | 459,333,000 | 470,371,000 | 483,226,000 |
| Noninterest-bearing deposits | 66,392,000 | 60,941,000 | 62,362,000 | 62,332,000 |
| Equity capital | 80,795,000 | 84,001,000 | 87,696,000 | 90,817,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 10,343,000 | 20,923,000 | 31,764,000 | 42,455,000 |
| Interest expense | 4,475,000 | 8,889,000 | 13,114,000 | 17,384,000 |
| Net interest income | 5,868,000 | 12,034,000 | 18,650,000 | 25,071,000 |
| Noninterest income | 283,000 | 572,000 | 939,000 | 1,149,000 |
| Noninterest expense | 2,116,000 | 4,198,000 | 6,144,000 | 8,233,000 |
| Provision for loan losses | 145,000 | 416,000 | 573,000 | 1,248,000 |
| Pretax income | 3,810,000 | 7,958,000 | 12,770,000 | 16,737,000 |
| Income tax | 775,000 | 1,744,000 | 2,897,000 | 3,779,000 |
| Net income | 3,035,000 | 6,214,000 | 9,873,000 | 12,958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,764,000 | 83,943,000 | 87,602,000 | 90,687,000 |
| Total capital | 85,292,000 | 88,448,000 | 92,139,000 | 95,382,000 |
| Risk-weighted assets | 360,448,000 | 358,708,000 | 361,140,000 | 373,988,000 |