Call reports 2005
ORANGE BANK & TRUST COMPANY — 2005
What ORANGE BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 410,591,000 | 421,554,000 | 424,318,000 | 422,402,000 |
| Total loans | 172,248,000 | 177,959,000 | 186,019,000 | 191,873,000 |
| Allowance for loan losses | 2,368,000 | 2,465,000 | 2,585,000 | 2,453,000 |
| Securities available for sale | 201,079,000 | 204,296,000 | 197,388,000 | 190,930,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,561,000 | 266,748,000 | 268,511,000 | 258,386,000 |
| Interest-bearing deposits | 206,438,000 | 205,813,000 | 206,631,000 | 198,287,000 |
| Noninterest-bearing deposits | 54,123,000 | 60,935,000 | 61,880,000 | 60,099,000 |
| Equity capital | 57,556,000 | 60,414,000 | 61,041,000 | 61,368,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,858,000 | 9,930,000 | 15,233,000 | 20,723,000 |
| Interest expense | 1,186,000 | 2,509,000 | 3,943,000 | 5,589,000 |
| Net interest income | 3,672,000 | 7,421,000 | 11,290,000 | 15,134,000 |
| Noninterest income | 807,000 | 1,636,000 | 2,522,000 | 3,534,000 |
| Noninterest expense | 2,381,000 | 4,743,000 | 7,105,000 | 9,592,000 |
| Provision for loan losses | 90,000 | 180,000 | 310,000 | 770,000 |
| Pretax income | 2,064,000 | 4,214,000 | 6,477,000 | 8,386,000 |
| Income tax | 530,000 | 1,089,000 | 1,662,000 | 2,026,000 |
| Net income | 1,534,000 | 3,125,000 | 4,815,000 | 6,360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,902,000 | 60,135,000 | 61,645,000 | 62,722,000 |
| Total capital | 61,270,000 | 62,600,000 | 64,230,000 | 65,175,000 |
| Risk-weighted assets | 219,300,000 | 224,872,000 | 233,407,000 | 237,179,000 |