Call reports 2008
ORANGE BANK & TRUST COMPANY — 2008
What ORANGE BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 481,486,000 | 482,722,000 | 485,334,000 | 496,487,000 |
| Total loans | 237,947,000 | 241,888,000 | 241,527,000 | 248,594,000 |
| Allowance for loan losses | 2,893,000 | 2,920,000 | 3,047,000 | 3,138,000 |
| Securities available for sale | 202,226,000 | 196,886,000 | 200,218,000 | 201,458,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,419,000 | 293,525,000 | 290,963,000 | 292,570,000 |
| Interest-bearing deposits | 245,033,000 | 236,149,000 | 235,744,000 | 239,499,000 |
| Noninterest-bearing deposits | 53,386,000 | 57,376,000 | 55,219,000 | 53,071,000 |
| Equity capital | 77,711,000 | 75,146,000 | 76,116,000 | 75,900,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,573,000 | 12,900,000 | 19,253,000 | 25,530,000 |
| Interest expense | 2,606,000 | 4,964,000 | 7,178,000 | 9,333,000 |
| Net interest income | 3,967,000 | 7,936,000 | 12,075,000 | 16,197,000 |
| Noninterest income | 1,044,000 | 2,132,000 | 3,125,000 | 4,075,000 |
| Noninterest expense | 2,525,000 | 5,112,000 | 7,668,000 | 10,272,000 |
| Provision for loan losses | 215,000 | 385,000 | 535,000 | 640,000 |
| Pretax income | 2,362,000 | 4,800,000 | 7,282,000 | 9,715,000 |
| Income tax | 627,000 | 1,271,000 | 1,890,000 | 2,503,000 |
| Net income | 1,735,000 | 3,529,000 | 5,392,000 | 7,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,049,000 | 75,524,000 | 76,419,000 | 77,581,000 |
| Total capital | 77,942,000 | 78,444,000 | 79,466,000 | 80,719,000 |
| Risk-weighted assets | 289,762,000 | 295,782,000 | 293,422,000 | 298,849,000 |