Call reports 2005
OMNI BANK — 2005
What OMNI 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 | 486,099,000 | 519,142,000 | 559,940,000 | 610,906,000 |
| Total loans | 391,556,000 | 417,771,000 | 448,824,000 | 432,800,000 |
| Allowance for loan losses | 4,955,000 | 5,021,000 | 5,387,000 | 9,932,000 |
| Securities available for sale | 39,534,000 | 39,217,000 | 38,545,000 | 46,170,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 402,971,000 | 431,747,000 | 454,611,000 | 522,095,000 |
| Interest-bearing deposits | 315,637,000 | 338,894,000 | 357,282,000 | 381,020,000 |
| Noninterest-bearing deposits | 87,335,000 | 92,853,000 | 97,329,000 | 141,075,000 |
| Equity capital | 37,606,000 | 38,916,000 | 39,504,000 | 36,700,000 |
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 | 7,672,000 | 15,934,000 | 24,655,000 | 33,762,000 |
| Interest expense | 1,926,000 | 4,167,000 | 6,883,000 | 9,980,000 |
| Net interest income | 5,746,000 | 11,767,000 | 17,772,000 | 23,782,000 |
| Noninterest income | 701,000 | 1,589,000 | 2,212,000 | 2,686,000 |
| Noninterest expense | 4,791,000 | 9,724,000 | 14,824,000 | 20,321,000 |
| Provision for loan losses | 272,000 | 596,000 | 914,000 | 5,891,000 |
| Pretax income | 1,398,000 | 3,050,000 | 4,260,000 | 270,000 |
| Income tax | 457,000 | 986,000 | 1,418,000 | 122,000 |
| Net income | 941,000 | 2,064,000 | 2,842,000 | 148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,856,000 | 38,981,000 | 39,759,000 | 37,064,000 |
| Total capital | 42,227,000 | 43,657,000 | 44,798,000 | 42,162,000 |
| Risk-weighted assets | 349,221,000 | 373,738,000 | 402,786,000 | 403,010,000 |