Call reports 2005
OMEGA BANK — 2005
What OMEGA BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,983,075,000 | 1,971,580,000 | 1,949,297,000 | 1,916,599,000 |
| Total loans | 1,280,801,000 | 1,253,807,000 | 1,230,858,000 | 1,214,823,000 |
| Allowance for loan losses | 15,487,000 | 15,304,000 | 15,208,000 | 15,482,000 |
| Securities available for sale | 295,355,000 | 303,923,000 | 347,238,000 | 335,494,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,496,976,000 | 1,519,938,000 | 1,454,978,000 | 1,429,409,000 |
| Interest-bearing deposits | 1,385,323,000 | 1,396,155,000 | 1,329,299,000 | 1,305,801,000 |
| Noninterest-bearing deposits | 111,653,000 | 123,783,000 | 125,679,000 | 123,608,000 |
| Equity capital | 352,486,000 | 331,887,000 | 331,726,000 | 331,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 21,930,000 | 44,374,000 | 67,334,000 | 90,475,000 |
| Interest expense | 5,742,000 | 12,042,000 | 18,694,000 | 25,650,000 |
| Net interest income | 16,188,000 | 32,332,000 | 48,640,000 | 64,825,000 |
| Noninterest income | 6,407,000 | 12,212,000 | 18,407,000 | 24,453,000 |
| Noninterest expense | 13,876,000 | 28,508,000 | 42,846,000 | 57,396,000 |
| Provision for loan losses | 142,000 | 322,000 | 612,000 | 1,202,000 |
| Pretax income | 8,951,000 | 16,111,000 | 23,986,000 | 31,077,000 |
| Income tax | 2,252,000 | 3,817,000 | 5,680,000 | 7,255,000 |
| Net income | 6,699,000 | 12,294,000 | 18,306,000 | 23,822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 204,456,000 | 183,501,000 | 193,133,000 | 185,893,000 |
| Total capital | 220,581,000 | 199,420,000 | 208,996,000 | 201,871,000 |
| Risk-weighted assets | 1,334,600,000 | 1,311,360,000 | 1,302,473,000 | 1,275,397,000 |