Call reports 2015
ORANGE COUNTY BUSINESS BANK — 2015
What ORANGE COUNTY BUSINESS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 201,766,000 | 199,991,000 | 201,081,000 | 190,019,000 |
| Total loans | 125,686,000 | 128,865,000 | 134,791,000 | 128,916,000 |
| Allowance for loan losses | 1,679,000 | 1,712,000 | 1,795,000 | 1,806,000 |
| Securities available for sale | 29,963,000 | 24,672,000 | 24,143,000 | 23,045,000 |
| Securities held to maturity | 7,000,000 | 5,000,000 | 1,000,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,264,000 | 126,631,000 | 134,488,000 | 126,300,000 |
| Interest-bearing deposits | 83,348,000 | 84,866,000 | 84,095,000 | 80,421,000 |
| Noninterest-bearing deposits | 46,916,000 | 41,765,000 | 50,393,000 | 45,879,000 |
| Equity capital | 46,993,000 | 47,974,000 | 48,111,000 | 47,966,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,666,000 | 3,363,000 | 5,046,000 | 6,740,000 |
| Interest expense | 162,000 | 321,000 | 489,000 | 656,000 |
| Net interest income | 1,504,000 | 3,042,000 | 4,557,000 | 6,084,000 |
| Noninterest income | 120,000 | 232,000 | 449,000 | 553,000 |
| Noninterest expense | 1,643,000 | 3,393,000 | 5,208,000 | 6,961,000 |
| Provision for loan losses | -142,000 | -2,378,000 | -2,306,000 | -2,306,000 |
| Pretax income | 140,000 | 2,280,000 | 2,125,000 | 2,003,000 |
| Income tax | 57,000 | 943,000 | 879,000 | 829,000 |
| Net income | 83,000 | 1,337,000 | 1,246,000 | 1,174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,688,000 | 44,943,000 | 44,852,000 | 44,780,000 |
| Total capital | 45,380,000 | 46,601,000 | 46,511,000 | 46,321,000 |
| Risk-weighted assets | 138,771,000 | 130,420,000 | 130,407,000 | 120,829,000 |