Call reports 2013
ORANGE COUNTY BUSINESS BANK — 2013
What ORANGE COUNTY BUSINESS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 177,818,000 | 188,396,000 | 213,167,000 | 186,448,000 |
| Total loans | 110,265,000 | 114,946,000 | 112,101,000 | 109,766,000 |
| Allowance for loan losses | 1,969,000 | 1,849,000 | 1,898,000 | 1,698,000 |
| Securities available for sale | 55,553,000 | 52,496,000 | 54,736,000 | 58,125,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,936,000 | 126,914,000 | 151,919,000 | 129,953,000 |
| Interest-bearing deposits | 78,928,000 | 83,201,000 | 84,660,000 | 80,626,000 |
| Noninterest-bearing deposits | 38,008,000 | 43,713,000 | 67,259,000 | 49,327,000 |
| Equity capital | 38,869,000 | 37,135,000 | 36,839,000 | 37,077,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,344,000 | 2,892,000 | 4,657,000 | 6,286,000 |
| Interest expense | 136,000 | 288,000 | 452,000 | 620,000 |
| Net interest income | 1,208,000 | 2,604,000 | 4,205,000 | 5,666,000 |
| Noninterest income | 108,000 | 226,000 | 345,000 | 529,000 |
| Noninterest expense | 1,459,000 | 2,973,000 | 4,587,000 | 6,119,000 |
| Provision for loan losses | -575,000 | -759,000 | -759,000 | -959,000 |
| Pretax income | 445,000 | 650,000 | 756,000 | 1,069,000 |
| Income tax | 0 | 0 | 0 | 4,000 |
| Net income | 445,000 | 650,000 | 756,000 | 1,065,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,402,000 | 39,626,000 | 39,732,000 | 40,042,000 |
| Total capital | 40,783,000 | 41,110,000 | 41,207,000 | 41,499,000 |
| Risk-weighted assets | 109,878,000 | 118,321,000 | 117,555,000 | 116,341,000 |