Call reports 2008
ORANGE COUNTY BUSINESS BANK — 2008
What ORANGE COUNTY BUSINESS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 265,176,000 | 250,139,000 | 247,156,000 | 252,602,000 |
| Total loans | 117,263,000 | 122,502,000 | 133,321,000 | 162,330,000 |
| Allowance for loan losses | 1,585,000 | 1,955,000 | 2,055,000 | 4,012,000 |
| Securities available for sale | 83,725,000 | 106,215,000 | 87,365,000 | 44,348,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,905,000 | 164,837,000 | 165,471,000 | 172,566,000 |
| Interest-bearing deposits | 134,763,000 | 121,843,000 | 118,175,000 | 116,904,000 |
| Noninterest-bearing deposits | 44,142,000 | 42,994,000 | 47,296,000 | 55,662,000 |
| Equity capital | 52,446,000 | 51,238,000 | 52,393,000 | 52,061,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,571,000 | 6,960,000 | 10,293,000 | 13,293,000 |
| Interest expense | 1,170,000 | 2,021,000 | 2,791,000 | 3,408,000 |
| Net interest income | 2,401,000 | 4,939,000 | 7,502,000 | 9,885,000 |
| Noninterest income | 106,000 | 229,000 | 360,000 | 489,000 |
| Noninterest expense | 1,838,000 | 3,640,000 | 5,608,000 | 7,557,000 |
| Provision for loan losses | 218,000 | 591,000 | 691,000 | 2,648,000 |
| Pretax income | 654,000 | 1,140,000 | 1,775,000 | 688,000 |
| Income tax | 268,000 | 467,000 | 728,000 | 200,000 |
| Net income | 386,000 | 673,000 | 1,047,000 | 488,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,707,000 | 51,472,000 | 52,385,000 | 50,574,000 |
| Total capital | 53,375,000 | 53,510,000 | 54,523,000 | 53,051,000 |
| Risk-weighted assets | 172,807,000 | 169,294,000 | 176,938,000 | 196,550,000 |
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