Call reports 2006
OMEGA BANK — 2006
What OMEGA BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,895,213,000 | 1,884,470,000 | 1,851,317,000 | 1,790,468,000 |
| Total loans | 1,200,376,000 | 1,193,082,000 | 1,180,024,000 | 1,152,392,000 |
| Allowance for loan losses | 15,210,000 | 14,856,000 | 15,923,000 | 17,344,000 |
| Securities available for sale | 323,701,000 | 302,237,000 | 305,273,000 | 281,721,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,430,076,000 | 1,425,238,000 | 1,393,798,000 | 1,332,382,000 |
| Interest-bearing deposits | 1,312,482,000 | 1,179,251,000 | 1,150,201,000 | 1,093,428,000 |
| Noninterest-bearing deposits | 117,594,000 | 245,987,000 | 243,597,000 | 238,954,000 |
| Equity capital | 331,812,000 | 332,249,000 | 334,417,000 | 334,935,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 22,934,000 | 46,411,000 | 70,322,000 | 94,342,000 |
| Interest expense | 7,063,000 | 14,494,000 | 22,390,000 | 30,175,000 |
| Net interest income | 15,871,000 | 31,917,000 | 47,932,000 | 64,167,000 |
| Noninterest income | 6,097,000 | 12,920,000 | 19,220,000 | 26,527,000 |
| Noninterest expense | 14,430,000 | 28,981,000 | 43,063,000 | 57,276,000 |
| Provision for loan losses | 120,000 | 220,000 | 1,120,000 | 3,896,000 |
| Pretax income | 7,418,000 | 15,637,000 | 22,970,000 | 29,097,000 |
| Income tax | 1,796,000 | 4,320,000 | 6,277,000 | 7,562,000 |
| Net income | 5,622,000 | 11,317,000 | 16,693,000 | 21,535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 186,712,000 | 187,622,000 | 191,035,000 | 191,341,000 |
| Total capital | 202,526,000 | 203,146,000 | 206,428,000 | 206,237,000 |
| Risk-weighted assets | 1,262,321,000 | 1,248,830,000 | 1,227,496,000 | 1,185,859,000 |