Call reports 2008
OMB BANK — 2008
What OMB 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 | 84,815,000 | 89,915,000 | 98,121,000 | 104,111,000 |
| Total loans | 69,604,000 | 73,018,000 | 83,108,000 | 87,487,000 |
| Allowance for loan losses | 650,000 | 674,000 | 713,000 | 846,000 |
| Securities available for sale | 9,570,000 | 9,525,000 | 8,685,000 | 10,276,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,080,000 | 73,808,000 | 77,006,000 | 83,825,000 |
| Interest-bearing deposits | 64,683,000 | 69,355,000 | 73,741,000 | 80,260,000 |
| Noninterest-bearing deposits | 3,397,000 | 4,453,000 | 3,265,000 | 3,565,000 |
| Equity capital | 8,021,000 | 7,973,000 | 8,072,000 | 8,501,000 |
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 | 1,442,000 | 2,887,000 | 4,339,000 | 5,879,000 |
| Interest expense | 808,000 | 1,561,000 | 2,261,000 | 3,004,000 |
| Net interest income | 634,000 | 1,326,000 | 2,078,000 | 2,875,000 |
| Noninterest income | 44,000 | 99,000 | 147,000 | 200,000 |
| Noninterest expense | 609,000 | 1,211,000 | 1,821,000 | 2,431,000 |
| Provision for loan losses | 11,000 | 34,000 | 82,000 | 215,000 |
| Pretax income | 81,000 | 232,000 | 374,000 | 481,000 |
| Income tax | 27,000 | 79,000 | 126,000 | 158,000 |
| Net income | 54,000 | 153,000 | 248,000 | 323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,861,000 | 7,960,000 | 8,056,000 | 8,380,000 |
| Total capital | 8,511,000 | 8,634,000 | 8,769,000 | 9,226,000 |
| Risk-weighted assets | 66,958,000 | 71,113,000 | 80,507,000 | 84,816,000 |