Call reports 2003
OMNI BANK — 2003
What OMNI 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 | 362,248,000 | 383,821,000 | 396,593,000 | 412,783,000 |
| Total loans | 276,297,000 | 298,188,000 | 312,996,000 | 331,023,000 |
| Allowance for loan losses | 3,734,000 | 3,830,000 | 4,042,000 | 4,270,000 |
| Securities available for sale | 39,095,000 | 45,067,000 | 41,746,000 | 39,609,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,166,000 | 312,503,000 | 324,001,000 | 339,410,000 |
| Interest-bearing deposits | 236,725,000 | 252,440,000 | 259,613,000 | 268,866,000 |
| Noninterest-bearing deposits | 60,441,000 | 60,063,000 | 64,388,000 | 70,544,000 |
| Equity capital | 27,167,000 | 28,091,000 | 28,661,000 | 30,027,000 |
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 | 6,055,000 | 12,440,000 | 19,073,000 | 25,760,000 |
| Interest expense | 1,658,000 | 3,276,000 | 4,909,000 | 6,531,000 |
| Net interest income | 4,397,000 | 9,164,000 | 14,164,000 | 19,229,000 |
| Noninterest income | 558,000 | 1,199,000 | 1,978,000 | 2,707,000 |
| Noninterest expense | 3,507,000 | 6,908,000 | 10,842,000 | 14,466,000 |
| Provision for loan losses | 235,000 | 524,000 | 815,000 | 1,140,000 |
| Pretax income | 1,271,000 | 2,989,000 | 4,543,000 | 6,406,000 |
| Income tax | 474,000 | 1,189,000 | 1,772,000 | 2,209,000 |
| Net income | 797,000 | 1,800,000 | 2,771,000 | 4,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,362,000 | 27,243,000 | 28,179,000 | 29,604,000 |
| Total capital | 29,557,000 | 30,640,000 | 31,731,000 | 33,332,000 |
| Risk-weighted assets | 254,920,000 | 271,338,000 | 283,642,000 | 297,729,000 |