Call reports 2004
ORANGE BANK & TRUST COMPANY — 2004
What ORANGE BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 386,294,000 | 386,299,000 | 392,475,000 | 399,587,000 |
| Total loans | 160,398,000 | 163,047,000 | 160,883,000 | 160,894,000 |
| Allowance for loan losses | 2,158,000 | 2,247,000 | 2,291,000 | 2,244,000 |
| Securities available for sale | 192,318,000 | 187,732,000 | 192,104,000 | 194,236,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,552,000 | 249,496,000 | 255,640,000 | 252,653,000 |
| Interest-bearing deposits | 189,771,000 | 195,201,000 | 197,279,000 | 191,280,000 |
| Noninterest-bearing deposits | 48,781,000 | 54,295,000 | 58,361,000 | 61,373,000 |
| Equity capital | 55,976,000 | 53,488,000 | 57,608,000 | 57,985,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,534,000 | 9,022,000 | 13,642,000 | 18,400,000 |
| Interest expense | 1,062,000 | 2,122,000 | 3,187,000 | 4,282,000 |
| Net interest income | 3,472,000 | 6,900,000 | 10,455,000 | 14,118,000 |
| Noninterest income | 830,000 | 1,639,000 | 2,495,000 | 3,237,000 |
| Noninterest expense | 2,285,000 | 4,609,000 | 6,964,000 | 9,343,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 510,000 |
| Pretax income | 1,981,000 | 3,848,000 | 5,814,000 | 7,601,000 |
| Income tax | 537,000 | 1,012,000 | 1,502,000 | 1,898,000 |
| Net income | 1,444,000 | 2,836,000 | 4,312,000 | 5,703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,648,000 | 54,741,000 | 56,066,000 | 57,356,000 |
| Total capital | 55,806,000 | 56,988,000 | 58,357,000 | 59,600,000 |
| Risk-weighted assets | 200,667,000 | 205,783,000 | 202,983,000 | 205,800,000 |