Call reports 2006
ORANGE COUNTY BUSINESS BANK — 2006
What ORANGE COUNTY BUSINESS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 163,318,000 | 161,374,000 | 178,430,000 | 215,264,000 |
| Total loans | 88,391,000 | 82,220,000 | 75,090,000 | 80,190,000 |
| Allowance for loan losses | 1,793,000 | 1,071,000 | 1,062,000 | 1,062,000 |
| Securities available for sale | 29,430,000 | 31,897,000 | 45,934,000 | 49,281,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,311,000 | 110,609,000 | 126,073,000 | 162,065,000 |
| Interest-bearing deposits | 69,957,000 | 66,960,000 | 75,097,000 | 107,836,000 |
| Noninterest-bearing deposits | 45,354,000 | 43,649,000 | 50,976,000 | 54,229,000 |
| Equity capital | 47,104,000 | 49,372,000 | 49,606,000 | 50,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,395,000 | 4,922,000 | 7,485,000 | 10,492,000 |
| Interest expense | 579,000 | 1,089,000 | 1,814,000 | 2,678,000 |
| Net interest income | 1,816,000 | 3,833,000 | 5,671,000 | 7,814,000 |
| Noninterest income | 182,000 | 413,000 | 517,000 | 637,000 |
| Noninterest expense | 1,593,000 | 3,211,000 | 4,947,000 | 6,654,000 |
| Provision for loan losses | 0 | -722,000 | -731,000 | -731,000 |
| Pretax income | 405,000 | 1,757,000 | 1,972,000 | 2,528,000 |
| Income tax | 167,000 | 722,000 | 817,000 | 1,009,000 |
| Net income | 238,000 | 1,035,000 | 1,155,000 | 1,519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,432,000 | 49,428,000 | 49,633,000 | 50,027,000 |
| Total capital | 47,853,000 | 50,536,000 | 50,763,000 | 51,151,000 |
| Risk-weighted assets | 113,294,000 | 106,593,000 | 111,199,000 | 122,387,000 |
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