Call reports 2007
ORANGE COUNTY BUSINESS BANK — 2007
What ORANGE COUNTY BUSINESS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 199,175,000 | 195,505,000 | 210,263,000 | 272,160,000 |
| Total loans | 91,095,000 | 100,663,000 | 99,366,000 | 115,943,000 |
| Allowance for loan losses | 1,128,000 | 1,139,000 | 1,170,000 | 1,367,000 |
| Securities available for sale | 52,054,000 | 46,484,000 | 58,290,000 | 78,553,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,096,000 | 140,155,000 | 153,655,000 | 191,700,000 |
| Interest-bearing deposits | 105,322,000 | 101,109,000 | 115,311,000 | 131,840,000 |
| Noninterest-bearing deposits | 39,774,000 | 39,046,000 | 38,344,000 | 59,860,000 |
| Equity capital | 50,259,000 | 50,162,000 | 50,802,000 | 51,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,013,000 | 6,014,000 | 9,457,000 | 12,962,000 |
| Interest expense | 1,013,000 | 1,986,000 | 3,232,000 | 4,427,000 |
| Net interest income | 2,000,000 | 4,028,000 | 6,225,000 | 8,535,000 |
| Noninterest income | 217,000 | 417,000 | 578,000 | 687,000 |
| Noninterest expense | 1,805,000 | 3,770,000 | 5,641,000 | 7,260,000 |
| Provision for loan losses | 66,000 | 77,000 | 108,000 | 305,000 |
| Pretax income | 346,000 | 598,000 | 1,054,000 | 1,767,000 |
| Income tax | 143,000 | 246,000 | 433,000 | 725,000 |
| Net income | 203,000 | 352,000 | 621,000 | 1,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,269,000 | 50,254,000 | 50,820,000 | 51,304,000 |
| Total capital | 51,459,000 | 51,462,000 | 52,067,000 | 52,754,000 |
| Risk-weighted assets | 116,243,000 | 123,922,000 | 144,834,000 | 158,650,000 |
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