Call reports 2007
OMEGA BANK — 2007
What OMEGA BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,778,039,000 | 1,781,969,000 | 1,757,195,000 | 1,764,218,000 |
| Total loans | 1,150,670,000 | 1,144,029,000 | 1,126,974,000 | 1,103,170,000 |
| Allowance for loan losses | 17,679,000 | 12,831,000 | 12,805,000 | 12,886,000 |
| Securities available for sale | 268,140,000 | 275,154,000 | 265,056,000 | 267,167,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,317,024,000 | 1,324,863,000 | 1,299,695,000 | 1,289,920,000 |
| Interest-bearing deposits | 1,079,323,000 | 1,082,752,000 | 1,055,057,000 | 1,044,921,000 |
| Noninterest-bearing deposits | 237,701,000 | 242,111,000 | 244,638,000 | 244,999,000 |
| Equity capital | 336,094,000 | 335,870,000 | 338,672,000 | 340,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 23,251,000 | 46,665,000 | 70,341,000 | 93,580,000 |
| Interest expense | 7,543,000 | 15,238,000 | 23,112,000 | 30,607,000 |
| Net interest income | 15,708,000 | 31,427,000 | 47,229,000 | 62,973,000 |
| Noninterest income | 5,803,000 | 11,769,000 | 18,052,000 | 24,138,000 |
| Noninterest expense | 13,267,000 | 26,781,000 | 40,293,000 | 54,756,000 |
| Provision for loan losses | 610,000 | 1,355,000 | 1,560,000 | 2,155,000 |
| Pretax income | 7,634,000 | 15,060,000 | 23,428,000 | 30,200,000 |
| Income tax | 1,980,000 | 3,937,000 | 6,094,000 | 7,812,000 |
| Net income | 5,654,000 | 11,123,000 | 17,334,000 | 22,388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 192,084,000 | 192,704,000 | 193,894,000 | 194,080,000 |
| Total capital | 206,978,000 | 206,365,000 | 207,507,000 | 207,816,000 |
| Risk-weighted assets | 1,185,382,000 | 1,180,762,000 | 1,162,514,000 | 1,146,466,000 |