Call reports 2003
OMEGA BANK — 2003
What OMEGA BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 1,142,561,000 | 1,150,959,000 | 1,132,948,000 | 1,120,887,000 |
| Total loans | 792,910,000 | 784,627,000 | 795,626,000 | 788,144,000 |
| Allowance for loan losses | 11,034,000 | 10,980,000 | 10,876,000 | 10,569,000 |
| Securities available for sale | 224,231,000 | 247,319,000 | 251,105,000 | 220,702,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 927,933,000 | 935,591,000 | 922,392,000 | 915,913,000 |
| Interest-bearing deposits | 847,911,000 | 840,294,000 | 828,785,000 | 816,815,000 |
| Noninterest-bearing deposits | 80,022,000 | 95,297,000 | 93,607,000 | 99,098,000 |
| Equity capital | 125,171,000 | 125,344,000 | 125,277,000 | 125,819,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 14,625,000 | 28,984,000 | 42,905,000 | 56,343,000 |
| Interest expense | 3,741,000 | 7,329,000 | 10,567,000 | 13,702,000 |
| Net interest income | 10,884,000 | 21,655,000 | 32,338,000 | 42,641,000 |
| Noninterest income | 3,601,000 | 7,575,000 | 11,165,000 | 14,543,000 |
| Noninterest expense | 8,885,000 | 18,473,000 | 27,185,000 | 34,907,000 |
| Provision for loan losses | 100,000 | 250,000 | 350,000 | 350,000 |
| Pretax income | 5,500,000 | 10,507,000 | 15,968,000 | 21,947,000 |
| Income tax | 1,330,000 | 2,636,000 | 4,053,000 | 5,218,000 |
| Net income | 4,170,000 | 7,871,000 | 11,915,000 | 16,729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 141,285,000 | 141,834,000 | 142,728,000 | 124,299,000 |
| Total capital | 150,654,000 | 151,212,000 | 152,192,000 | 134,868,000 |
| Risk-weighted assets | 747,838,000 | 748,613,000 | 755,745,000 | 860,645,000 |