Call reports 2008
OMNI BANK — 2008
What OMNI BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 727,864,000 | 735,233,000 | 732,975,000 | 744,426,000 |
| Total loans | 559,666,000 | 585,022,000 | 573,623,000 | 584,523,000 |
| Allowance for loan losses | 4,788,000 | 6,099,000 | 5,860,000 | 5,629,000 |
| Securities available for sale | 48,148,000 | 41,305,000 | 39,076,000 | 39,919,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 618,602,000 | 574,730,000 | 611,274,000 | 638,632,000 |
| Interest-bearing deposits | 482,448,000 | 438,480,000 | 484,555,000 | 498,561,000 |
| Noninterest-bearing deposits | 136,154,000 | 136,250,000 | 126,719,000 | 140,072,000 |
| Equity capital | 54,613,000 | 58,798,000 | 58,794,000 | 60,612,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 12,825,000 | 25,869,000 | 37,555,000 | 48,575,000 |
| Interest expense | 4,656,000 | 8,611,000 | 11,883,000 | 14,786,000 |
| Net interest income | 8,169,000 | 17,258,000 | 25,672,000 | 33,789,000 |
| Noninterest income | 937,000 | 2,156,000 | 3,414,000 | 5,239,000 |
| Noninterest expense | 7,724,000 | 17,352,000 | 26,148,000 | 35,627,000 |
| Provision for loan losses | 265,000 | 1,415,000 | 1,807,000 | 2,805,000 |
| Pretax income | 1,173,000 | 743,000 | 1,245,000 | 762,000 |
| Income tax | 354,000 | -402,000 | -239,000 | -393,000 |
| Net income | 819,000 | 1,145,000 | 1,484,000 | 1,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,374,000 | 58,923,000 | 59,261,000 | 60,432,000 |
| Total capital | 59,162,000 | 65,022,000 | 65,121,000 | 66,061,000 |
| Risk-weighted assets | 565,982,000 | 592,308,000 | 581,007,000 | 573,181,000 |