Call reports 2003
ORANGE COUNTY BUSINESS BANK — 2003
What ORANGE COUNTY BUSINESS BANK 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 | 23,639,000 | 36,061,000 | 40,898,000 | 50,241,000 |
| Total loans | 2,803,000 | 8,047,000 | 11,503,000 | 18,274,000 |
| Allowance for loan losses | 35,000 | 100,000 | 144,000 | 227,000 |
| Securities available for sale | 16,608,000 | 15,362,000 | 17,537,000 | 20,700,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,654,000 | 17,874,000 | 22,945,000 | 30,530,000 |
| Interest-bearing deposits | 3,834,000 | 10,377,000 | 13,267,000 | 19,273,000 |
| Noninterest-bearing deposits | 1,820,000 | 7,497,000 | 9,678,000 | 11,257,000 |
| Equity capital | 17,949,000 | 17,434,000 | 16,906,000 | 16,357,000 |
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 | 85,000 | 271,000 | 522,000 | 830,000 |
| Interest expense | 4,000 | 23,000 | 52,000 | 88,000 |
| Net interest income | 81,000 | 248,000 | 470,000 | 742,000 |
| Noninterest income | 6,000 | 14,000 | 28,000 | 57,000 |
| Noninterest expense | 623,000 | 1,290,000 | 1,948,000 | 2,668,000 |
| Provision for loan losses | 35,000 | 100,000 | 144,000 | 227,000 |
| Pretax income | -571,000 | -1,128,000 | -1,593,000 | -2,095,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | -573,000 | -1,130,000 | -1,595,000 | -2,097,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,917,000 | 17,391,000 | 16,929,000 | 16,429,000 |
| Total capital | 17,952,000 | 17,491,000 | 17,073,000 | 16,666,000 |
| Risk-weighted assets | 7,480,000 | 14,488,000 | 19,803,000 | 25,463,000 |
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