Call reports 2009
ORANGE COUNTY BUSINESS BANK — 2009
What ORANGE COUNTY BUSINESS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 241,283,000 | 242,024,000 | 258,392,000 | 255,367,000 |
| Total loans | 167,660,000 | 172,843,000 | 168,180,000 | 163,020,000 |
| Allowance for loan losses | 4,385,000 | 4,385,000 | 3,367,000 | 3,850,000 |
| Securities available for sale | 40,987,000 | 35,140,000 | 42,340,000 | 37,059,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,416,000 | 163,077,000 | 179,106,000 | 179,343,000 |
| Interest-bearing deposits | 120,178,000 | 116,394,000 | 124,808,000 | 127,404,000 |
| Noninterest-bearing deposits | 42,238,000 | 46,683,000 | 54,297,000 | 51,939,000 |
| Equity capital | 52,160,000 | 52,305,000 | 52,762,000 | 50,395,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,665,000 | 5,278,000 | 7,947,000 | 10,552,000 |
| Interest expense | 558,000 | 995,000 | 1,418,000 | 1,825,000 |
| Net interest income | 2,107,000 | 4,283,000 | 6,529,000 | 8,727,000 |
| Noninterest income | 126,000 | 238,000 | 393,000 | 551,000 |
| Noninterest expense | 1,844,000 | 4,074,000 | 6,098,000 | 11,582,000 |
| Provision for loan losses | 373,000 | 373,000 | 373,000 | 1,204,000 |
| Pretax income | 173,000 | 231,000 | 608,000 | -2,828,000 |
| Income tax | 71,000 | 95,000 | 249,000 | -1,159,000 |
| Net income | 102,000 | 136,000 | 359,000 | -1,669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,676,000 | 50,789,000 | 51,173,000 | 48,149,000 |
| Total capital | 53,188,000 | 53,295,000 | 53,731,000 | 50,562,000 |
| Risk-weighted assets | 198,996,000 | 198,503,000 | 203,775,000 | 191,558,000 |
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