Call reports 2010
ORANGE COUNTY BUSINESS BANK — 2010
What ORANGE COUNTY BUSINESS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 239,574,000 | 219,336,000 | 194,442,000 | 204,184,000 |
| Total loans | 162,364,000 | 152,230,000 | 143,568,000 | 137,193,000 |
| Allowance for loan losses | 3,994,000 | 4,057,000 | 3,757,000 | 4,798,000 |
| Securities available for sale | 28,783,000 | 14,528,000 | 19,238,000 | 29,416,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,735,000 | 145,907,000 | 120,886,000 | 142,840,000 |
| Interest-bearing deposits | 121,978,000 | 96,793,000 | 71,230,000 | 94,091,000 |
| Noninterest-bearing deposits | 41,757,000 | 49,114,000 | 49,656,000 | 48,749,000 |
| Equity capital | 50,470,000 | 49,949,000 | 50,231,000 | 38,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,259,000 | 4,339,000 | 6,379,000 | 8,152,000 |
| Interest expense | 317,000 | 657,000 | 1,015,000 | 1,324,000 |
| Net interest income | 1,942,000 | 3,682,000 | 5,364,000 | 6,828,000 |
| Noninterest income | 116,000 | 229,000 | 379,000 | -1,598,000 |
| Noninterest expense | 1,952,000 | 3,902,000 | 5,273,000 | 7,246,000 |
| Provision for loan losses | 144,000 | 910,000 | 910,000 | 7,880,000 |
| Pretax income | 65,000 | -412,000 | 49,000 | -9,407,000 |
| Income tax | 27,000 | -169,000 | 20,000 | 2,215,000 |
| Net income | 38,000 | -243,000 | 29,000 | -11,622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,214,000 | 47,768,000 | 48,047,000 | 38,561,000 |
| Total capital | 50,606,000 | 49,993,000 | 50,211,000 | 40,487,000 |
| Risk-weighted assets | 189,695,000 | 176,147,000 | 171,470,000 | 151,209,000 |