Call reports 2007
ORANGE BANK & TRUST COMPANY — 2007
What ORANGE BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 466,151,000 | 459,419,000 | 474,390,000 | 471,419,000 |
| Total loans | 226,800,000 | 226,313,000 | 228,697,000 | 235,611,000 |
| Allowance for loan losses | 2,730,000 | 2,800,000 | 2,910,000 | 2,894,000 |
| Securities available for sale | 198,053,000 | 190,239,000 | 205,063,000 | 193,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 291,447,000 | 291,510,000 | 289,254,000 | 273,775,000 |
| Interest-bearing deposits | 234,187,000 | 237,349,000 | 233,514,000 | 219,601,000 |
| Noninterest-bearing deposits | 57,260,000 | 54,161,000 | 55,740,000 | 54,174,000 |
| Equity capital | 69,914,000 | 68,712,000 | 71,601,000 | 74,448,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,328,000 | 13,004,000 | 19,670,000 | 26,516,000 |
| Interest expense | 2,659,000 | 5,465,000 | 8,317,000 | 11,189,000 |
| Net interest income | 3,669,000 | 7,539,000 | 11,353,000 | 15,327,000 |
| Noninterest income | 938,000 | 1,887,000 | 2,876,000 | 3,978,000 |
| Noninterest expense | 2,334,000 | 4,756,000 | 7,217,000 | 9,835,000 |
| Provision for loan losses | 30,000 | 90,000 | 210,000 | 370,000 |
| Pretax income | 2,243,000 | 4,580,000 | 6,802,000 | 9,425,000 |
| Income tax | 543,000 | 1,110,000 | 1,634,000 | 2,322,000 |
| Net income | 1,700,000 | 3,470,000 | 5,168,000 | 7,103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,229,000 | 70,802,000 | 71,901,000 | 73,194,000 |
| Total capital | 72,959,000 | 73,602,000 | 74,811,000 | 76,088,000 |
| Risk-weighted assets | 274,737,000 | 277,075,000 | 281,815,000 | 286,075,000 |