Call reports 2006
ORANGE BANK & TRUST COMPANY — 2006
What ORANGE BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 436,124,000 | 438,202,000 | 448,599,000 | 450,208,000 |
| Total loans | 200,615,000 | 200,480,000 | 206,129,000 | 211,725,000 |
| Allowance for loan losses | 2,542,000 | 2,556,000 | 2,717,000 | 2,720,000 |
| Securities available for sale | 196,350,000 | 195,564,000 | 202,154,000 | 196,025,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,537,000 | 264,733,000 | 261,335,000 | 261,453,000 |
| Interest-bearing deposits | 208,890,000 | 207,021,000 | 204,985,000 | 205,893,000 |
| Noninterest-bearing deposits | 57,647,000 | 57,712,000 | 56,350,000 | 55,560,000 |
| Equity capital | 62,481,000 | 61,870,000 | 66,045,000 | 68,012,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,616,000 | 11,591,000 | 17,611,000 | 23,775,000 |
| Interest expense | 1,910,000 | 4,097,000 | 6,461,000 | 8,976,000 |
| Net interest income | 3,706,000 | 7,494,000 | 11,150,000 | 14,799,000 |
| Noninterest income | 824,000 | 1,672,000 | 2,579,000 | 3,538,000 |
| Noninterest expense | 2,338,000 | 4,693,000 | 7,063,000 | 9,500,000 |
| Provision for loan losses | 90,000 | 180,000 | 195,000 | 195,000 |
| Pretax income | 2,102,000 | 4,293,000 | 6,517,000 | 8,844,000 |
| Income tax | 514,000 | 1,045,000 | 1,518,000 | 2,097,000 |
| Net income | 1,588,000 | 3,248,000 | 4,999,000 | 6,747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,310,000 | 65,539,000 | 67,083,000 | 68,529,000 |
| Total capital | 66,852,000 | 68,095,000 | 69,800,000 | 71,249,000 |
| Risk-weighted assets | 247,514,000 | 249,591,000 | 254,965,000 | 259,328,000 |