Call reports 2011
ORANGE COUNTY BUSINESS BANK — 2011
What ORANGE COUNTY BUSINESS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 188,734,000 | 190,157,000 | 195,066,000 | 168,690,000 |
| Total loans | 123,534,000 | 118,829,000 | 113,884,000 | 103,536,000 |
| Allowance for loan losses | 4,800,000 | 4,625,000 | 4,627,000 | 2,849,000 |
| Securities available for sale | 39,233,000 | 14,248,000 | 18,640,000 | 34,688,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,544,000 | 128,678,000 | 133,463,000 | 108,267,000 |
| Interest-bearing deposits | 82,718,000 | 81,360,000 | 81,861,000 | 72,190,000 |
| Noninterest-bearing deposits | 43,826,000 | 47,318,000 | 51,602,000 | 36,077,000 |
| Equity capital | 38,133,000 | 38,488,000 | 38,377,000 | 38,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,800,000 | 3,512,000 | 5,117,000 | 6,723,000 |
| Interest expense | 332,000 | 635,000 | 935,000 | 1,213,000 |
| Net interest income | 1,468,000 | 2,877,000 | 4,182,000 | 5,510,000 |
| Noninterest income | 110,000 | 224,000 | 336,000 | 433,000 |
| Noninterest expense | 1,673,000 | 3,333,000 | 4,924,000 | 6,679,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -95,000 | -137,000 | -257,000 | -587,000 |
| Income tax | 0 | 0 | -36,000 | -211,000 |
| Net income | -95,000 | -137,000 | -221,000 | -376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,465,000 | 38,424,000 | 38,339,000 | 38,184,000 |
| Total capital | 40,262,000 | 40,110,000 | 39,954,000 | 39,672,000 |
| Risk-weighted assets | 140,740,000 | 131,922,000 | 126,162,000 | 117,699,000 |