Call reports 2003
ORANGE BANK & TRUST COMPANY — 2003
What ORANGE BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 340,185,000 | 350,465,000 | 355,178,000 | 379,265,000 |
| Total loans | 134,968,000 | 138,351,000 | 146,602,000 | 156,500,000 |
| Allowance for loan losses | 1,846,000 | 1,668,000 | 1,678,000 | 2,051,000 |
| Securities available for sale | 172,092,000 | 172,451,000 | 174,318,000 | 189,432,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,542,000 | 228,461,000 | 235,034,000 | 233,551,000 |
| Interest-bearing deposits | 180,113,000 | 179,469,000 | 182,889,000 | 183,539,000 |
| Noninterest-bearing deposits | 45,429,000 | 48,992,000 | 52,145,000 | 50,012,000 |
| Equity capital | 50,088,000 | 52,543,000 | 51,547,000 | 53,407,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,062,000 | 8,115,000 | 12,092,000 | 16,584,000 |
| Interest expense | 1,053,000 | 2,059,000 | 3,028,000 | 4,078,000 |
| Net interest income | 3,009,000 | 6,056,000 | 9,064,000 | 12,506,000 |
| Noninterest income | 790,000 | 1,608,000 | 2,466,000 | 3,276,000 |
| Noninterest expense | 2,159,000 | 4,315,000 | 6,510,000 | 8,670,000 |
| Provision for loan losses | 390,000 | 650,000 | 790,000 | 1,190,000 |
| Pretax income | 1,741,000 | 3,484,000 | 5,175,000 | 6,950,000 |
| Income tax | 458,000 | 930,000 | 1,375,000 | 1,824,000 |
| Net income | 1,283,000 | 2,554,000 | 3,800,000 | 5,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,835,000 | 49,838,000 | 50,987,000 | 52,204,000 |
| Total capital | 50,681,000 | 51,506,000 | 52,665,000 | 54,255,000 |
| Risk-weighted assets | 190,077,000 | 195,916,000 | 203,057,000 | 195,356,000 |