Call reports 2014
ORANGE COUNTY BUSINESS BANK — 2014
What ORANGE COUNTY BUSINESS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 192,019,000 | 198,264,000 | 201,627,000 | 206,012,000 |
| Total loans | 112,215,000 | 114,343,000 | 122,558,000 | 127,378,000 |
| Allowance for loan losses | 1,744,000 | 1,679,000 | 1,800,000 | 1,810,000 |
| Securities available for sale | 57,154,000 | 42,455,000 | 49,093,000 | 43,622,000 |
| Securities held to maturity | 0 | 0 | 3,000,000 | 8,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,439,000 | 134,426,000 | 141,618,000 | 123,917,000 |
| Interest-bearing deposits | 90,019,000 | 92,414,000 | 97,374,000 | 81,568,000 |
| Noninterest-bearing deposits | 42,420,000 | 42,012,000 | 44,244,000 | 42,349,000 |
| Equity capital | 37,644,000 | 38,411,000 | 40,602,000 | 46,639,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,608,000 | 3,162,000 | 4,981,000 | 6,712,000 |
| Interest expense | 154,000 | 313,000 | 476,000 | 643,000 |
| Net interest income | 1,454,000 | 2,849,000 | 4,505,000 | 6,069,000 |
| Noninterest income | 133,000 | 273,000 | 412,000 | 550,000 |
| Noninterest expense | 1,575,000 | 3,126,000 | 4,648,000 | 6,168,000 |
| Provision for loan losses | 0 | -157,000 | -2,079,000 | -2,079,000 |
| Pretax income | 12,000 | 149,000 | 2,345,000 | 2,535,000 |
| Income tax | 0 | 0 | 0 | -4,644,000 |
| Net income | 12,000 | 149,000 | 2,345,000 | 7,179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,054,000 | 40,191,000 | 42,386,000 | 42,544,000 |
| Total capital | 41,600,000 | 41,716,000 | 44,006,000 | 44,187,000 |
| Risk-weighted assets | 123,444,000 | 121,838,000 | 129,378,000 | 131,230,000 |