Call reports 2004
OMNI BANK — 2004
What OMNI 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 | 439,956,000 | 463,684,000 | 465,219,000 | 466,975,000 |
| Total loans | 342,353,000 | 363,803,000 | 370,230,000 | 372,267,000 |
| Allowance for loan losses | 4,494,000 | 4,723,000 | 4,692,000 | 4,775,000 |
| Securities available for sale | 42,081,000 | 40,059,000 | 39,112,000 | 37,682,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 360,351,000 | 368,538,000 | 371,756,000 | 382,201,000 |
| Interest-bearing deposits | 287,305,000 | 291,323,000 | 292,475,000 | 302,351,000 |
| Noninterest-bearing deposits | 73,046,000 | 77,215,000 | 79,281,000 | 79,850,000 |
| Equity capital | 34,195,000 | 34,755,000 | 35,938,000 | 36,911,000 |
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 | 6,834,000 | 13,808,000 | 21,016,000 | 28,324,000 |
| Interest expense | 1,591,000 | 3,258,000 | 5,037,000 | 6,887,000 |
| Net interest income | 5,243,000 | 10,550,000 | 15,979,000 | 21,437,000 |
| Noninterest income | 862,000 | 1,751,000 | 2,657,000 | 3,526,000 |
| Noninterest expense | 4,048,000 | 8,305,000 | 12,889,000 | 17,131,000 |
| Provision for loan losses | 268,000 | 533,000 | 762,000 | 1,159,000 |
| Pretax income | 1,789,000 | 3,465,000 | 4,993,000 | 6,680,000 |
| Income tax | 658,000 | 1,259,000 | 1,786,000 | 2,368,000 |
| Net income | 1,131,000 | 2,206,000 | 3,207,000 | 4,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,735,000 | 34,810,000 | 35,812,000 | 36,917,000 |
| Total capital | 37,650,000 | 38,927,000 | 40,009,000 | 41,114,000 |
| Risk-weighted assets | 312,606,000 | 328,728,000 | 335,233,000 | 335,201,000 |