Call reports 2004
ORANGE COUNTY BUSINESS BANK — 2004
What ORANGE COUNTY BUSINESS 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 | 50,117,000 | 71,053,000 | 115,572,000 | 125,996,000 |
| Total loans | 25,074,000 | 31,573,000 | 48,411,000 | 68,746,000 |
| Allowance for loan losses | 305,000 | 372,000 | 442,000 | 728,000 |
| Securities available for sale | 11,244,000 | 17,050,000 | 19,680,000 | 32,970,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,497,000 | 50,193,000 | 98,497,000 | 76,701,000 |
| Interest-bearing deposits | 17,576,000 | 24,324,000 | 60,726,000 | 47,617,000 |
| Noninterest-bearing deposits | 13,921,000 | 25,869,000 | 37,771,000 | 29,084,000 |
| Equity capital | 16,234,000 | 15,648,000 | 15,481,000 | 44,663,000 |
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 | 376,000 | 848,000 | 1,520,000 | 2,656,000 |
| Interest expense | 41,000 | 91,000 | 198,000 | 358,000 |
| Net interest income | 335,000 | 757,000 | 1,322,000 | 2,298,000 |
| Noninterest income | 102,000 | 330,000 | 537,000 | 668,000 |
| Noninterest expense | 890,000 | 1,868,000 | 2,863,000 | 3,994,000 |
| Provision for loan losses | 78,000 | 145,000 | 215,000 | 501,000 |
| Pretax income | -532,000 | -927,000 | -1,220,000 | -1,530,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | -533,000 | -928,000 | -1,221,000 | -1,531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,229,000 | 15,837,000 | 15,547,000 | 44,833,000 |
| Total capital | 16,545,000 | 16,213,000 | 15,997,000 | 45,578,000 |
| Risk-weighted assets | 29,937,000 | 38,129,000 | 57,613,000 | 79,199,000 |
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