Call reports 2004
OMEGA BANK — 2004
What OMEGA BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 1,112,969,000 | 1,130,870,000 | 1,127,645,000 | 2,062,130,000 |
| Total loans | 787,216,000 | 773,829,000 | 772,403,000 | 1,328,193,000 |
| Allowance for loan losses | 10,451,000 | 10,226,000 | 9,707,000 | 15,644,000 |
| Securities available for sale | 196,240,000 | 223,476,000 | 235,904,000 | 303,068,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 907,638,000 | 923,948,000 | 920,606,000 | 1,510,846,000 |
| Interest-bearing deposits | 813,103,000 | 823,792,000 | 819,449,000 | 1,385,696,000 |
| Noninterest-bearing deposits | 94,535,000 | 100,156,000 | 101,157,000 | 125,150,000 |
| Equity capital | 126,844,000 | 125,406,000 | 127,159,000 | 353,108,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 12,953,000 | 25,688,000 | 38,486,000 | 61,808,000 |
| Interest expense | 3,016,000 | 5,973,000 | 9,057,000 | 15,751,000 |
| Net interest income | 9,937,000 | 19,715,000 | 29,429,000 | 46,057,000 |
| Noninterest income | 3,428,000 | 7,161,000 | 10,748,000 | 17,893,000 |
| Noninterest expense | 8,613,000 | 17,063,000 | 25,470,000 | 41,284,000 |
| Provision for loan losses | 0 | 0 | 0 | -300,000 |
| Pretax income | 4,754,000 | 9,815,000 | 14,709,000 | 23,620,000 |
| Income tax | 1,164,000 | 2,443,000 | 3,691,000 | 6,202,000 |
| Net income | 3,590,000 | 7,372,000 | 11,018,000 | 17,418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 145,047,000 | 146,000,000 | 126,788,000 | 200,730,000 |
| Total capital | 154,539,000 | 155,459,000 | 136,495,000 | 216,374,000 |
| Risk-weighted assets | 758,371,000 | 755,921,000 | 844,721,000 | 1,367,820,000 |