Call reports 2012
ORANGE COUNTY BUSINESS BANK — 2012
What ORANGE COUNTY BUSINESS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 178,693,000 | 176,356,000 | 172,547,000 | 170,250,000 |
| Total loans | 88,913,000 | 81,044,000 | 78,812,000 | 94,149,000 |
| Allowance for loan losses | 2,847,000 | 2,928,000 | 1,928,000 | 1,935,000 |
| Securities available for sale | 40,915,000 | 25,605,000 | 48,848,000 | 59,573,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,533,000 | 122,369,000 | 117,500,000 | 120,942,000 |
| Interest-bearing deposits | 78,105,000 | 77,351,000 | 74,749,000 | 70,194,000 |
| Noninterest-bearing deposits | 42,428,000 | 45,018,000 | 42,751,000 | 50,748,000 |
| Equity capital | 38,307,000 | 38,209,000 | 39,001,000 | 38,949,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,570,000 | 2,916,000 | 4,206,000 | 5,545,000 |
| Interest expense | 252,000 | 503,000 | 752,000 | 1,424,000 |
| Net interest income | 1,318,000 | 2,413,000 | 3,454,000 | 4,121,000 |
| Noninterest income | 120,000 | 225,000 | 346,000 | 527,000 |
| Noninterest expense | 1,617,000 | 3,226,000 | 4,994,000 | 6,497,000 |
| Provision for loan losses | 0 | 0 | -1,000,000 | -1,630,000 |
| Pretax income | -79,000 | -126,000 | 567,000 | 792,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -79,000 | -126,000 | 567,000 | 792,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,105,000 | 38,058,000 | 38,751,000 | 38,957,000 |
| Total capital | 39,416,000 | 39,238,000 | 39,952,000 | 40,260,000 |
| Risk-weighted assets | 103,360,000 | 92,626,000 | 95,335,000 | 103,586,000 |