Call reports 2005
ORANGE COUNTY BUSINESS BANK — 2005
What ORANGE COUNTY BUSINESS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 128,460,000 | 156,898,000 | 168,324,000 | 175,034,000 |
| Total loans | 71,972,000 | 83,977,000 | 95,193,000 | 90,754,000 |
| Allowance for loan losses | 868,000 | 930,000 | 1,042,000 | 1,793,000 |
| Securities available for sale | 27,940,000 | 37,276,000 | 34,287,000 | 46,118,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,971,000 | 104,556,000 | 106,150,000 | 104,549,000 |
| Interest-bearing deposits | 56,141,000 | 61,544,000 | 63,906,000 | 63,536,000 |
| Noninterest-bearing deposits | 26,830,000 | 43,012,000 | 42,244,000 | 41,013,000 |
| Equity capital | 44,581,000 | 45,154,000 | 45,978,000 | 46,697,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,437,000 | 3,132,000 | 5,196,000 | 7,580,000 |
| Interest expense | 198,000 | 489,000 | 837,000 | 1,341,000 |
| Net interest income | 1,239,000 | 2,643,000 | 4,359,000 | 6,239,000 |
| Noninterest income | 181,000 | 407,000 | 575,000 | 713,000 |
| Noninterest expense | 1,257,000 | 2,586,000 | 3,907,000 | 5,807,000 |
| Provision for loan losses | 140,000 | 202,000 | 314,000 | 1,065,000 |
| Pretax income | 23,000 | 262,000 | 713,000 | 80,000 |
| Income tax | 1,000 | -256,000 | -549,000 | -1,918,000 |
| Net income | 22,000 | 518,000 | 1,262,000 | 1,998,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,858,000 | 45,034,000 | 45,523,000 | 45,728,000 |
| Total capital | 45,736,000 | 45,993,000 | 46,599,000 | 47,184,000 |
| Risk-weighted assets | 86,354,000 | 104,736,000 | 115,783,000 | 116,129,000 |
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