Call reports 2004
OMB BANK — 2004
What OMB 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 | 65,061,000 | 68,309,000 | 74,889,000 | 76,536,000 |
| Total loans | 58,437,000 | 60,063,000 | 62,086,000 | 65,378,000 |
| Allowance for loan losses | 772,000 | 807,000 | 846,000 | 864,000 |
| Securities available for sale | 1,046,000 | 1,531,000 | 2,543,000 | 3,818,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,999,000 | 56,133,000 | 63,081,000 | 64,627,000 |
| Interest-bearing deposits | 49,942,000 | 53,249,000 | 59,943,000 | 60,942,000 |
| Noninterest-bearing deposits | 4,057,000 | 2,884,000 | 3,138,000 | 3,685,000 |
| Equity capital | 5,819,000 | 5,888,000 | 5,997,000 | 6,105,000 |
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 | 961,000 | 1,901,000 | 2,910,000 | 3,976,000 |
| Interest expense | 354,000 | 707,000 | 1,097,000 | 1,507,000 |
| Net interest income | 607,000 | 1,194,000 | 1,813,000 | 2,469,000 |
| Noninterest income | 7,000 | 36,000 | 99,000 | 122,000 |
| Noninterest expense | 481,000 | 960,000 | 1,451,000 | 1,958,000 |
| Provision for loan losses | 35,000 | 70,000 | 105,000 | 140,000 |
| Pretax income | 98,000 | 200,000 | 356,000 | 493,000 |
| Income tax | 17,000 | 35,000 | 88,000 | 104,000 |
| Net income | 81,000 | 165,000 | 268,000 | 389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,798,000 | 5,883,000 | 5,985,000 | 6,106,000 |
| Total capital | 6,462,000 | 6,566,000 | 6,703,000 | 6,853,000 |
| Risk-weighted assets | 53,030,000 | 54,505,000 | 57,316,000 | 59,628,000 |