Call reports 2003
BANK OF ORANGE COUNTY — 2003
What BANK OF ORANGE COUNTY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 424,749,000 | 437,061,000 | 447,029,000 | 449,117,000 |
| Total loans | 263,168,000 | 272,334,000 | 289,164,000 | 302,548,000 |
| Allowance for loan losses | 5,353,000 | 5,408,000 | 5,239,000 | 5,313,000 |
| Securities available for sale | 59,472,000 | 79,605,000 | 84,780,000 | 74,325,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 361,855,000 | 373,030,000 | 381,900,000 | 351,923,000 |
| Interest-bearing deposits | 191,434,000 | 195,664,000 | 200,690,000 | 183,866,000 |
| Noninterest-bearing deposits | 170,421,000 | 177,366,000 | 181,211,000 | 168,057,000 |
| Equity capital | 59,039,000 | 60,505,000 | 61,733,000 | 63,508,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,522,000 | 10,915,000 | 16,627,000 | 22,642,000 |
| Interest expense | 393,000 | 762,000 | 1,038,000 | 1,281,000 |
| Net interest income | 5,129,000 | 10,153,000 | 15,589,000 | 21,361,000 |
| Noninterest income | 825,000 | 1,617,000 | 2,754,000 | 3,656,000 |
| Noninterest expense | 3,929,000 | 7,682,000 | 11,564,000 | 16,273,000 |
| Provision for loan losses | -310,000 | -310,000 | -665,000 | -665,000 |
| Pretax income | 2,424,000 | 4,705,000 | 7,502,000 | 9,467,000 |
| Income tax | 950,000 | 1,843,000 | 2,941,000 | 2,867,000 |
| Net income | 1,474,000 | 2,862,000 | 4,561,000 | 6,600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,473,000 | 35,945,000 | 37,814,000 | 39,843,000 |
| Total capital | 38,399,000 | 39,987,000 | 42,110,000 | 44,282,000 |
| Risk-weighted assets | 312,852,000 | 322,193,000 | 342,626,000 | 354,275,000 |
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