Call reports 2015
ORANGE BANK & TRUST COMPANY — 2015
What ORANGE BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 765,694,000 | 748,488,000 | 784,460,000 | 812,961,000 |
| Total loans | 344,323,000 | 335,858,000 | 362,931,000 | 444,371,000 |
| Allowance for loan losses | 6,914,000 | 4,751,000 | 4,864,000 | 7,153,000 |
| Securities available for sale | 352,773,000 | 327,887,000 | 344,388,000 | 304,829,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 589,527,000 | 574,162,000 | 604,180,000 | 639,851,000 |
| Interest-bearing deposits | 486,649,000 | 468,715,000 | 486,954,000 | 530,334,000 |
| Noninterest-bearing deposits | 102,878,000 | 105,447,000 | 117,226,000 | 109,517,000 |
| Equity capital | 89,141,000 | 86,376,000 | 87,587,000 | 88,100,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,216,000 | 12,322,000 | 18,500,000 | 25,235,000 |
| Interest expense | 970,000 | 1,960,000 | 2,949,000 | 3,965,000 |
| Net interest income | 5,246,000 | 10,362,000 | 15,551,000 | 21,270,000 |
| Noninterest income | 258,000 | 1,028,000 | 1,908,000 | 2,961,000 |
| Noninterest expense | 5,804,000 | 10,977,000 | 16,069,000 | 21,710,000 |
| Provision for loan losses | 2,334,000 | 2,734,000 | 3,133,000 | 5,885,000 |
| Pretax income | -1,994,000 | -1,681,000 | -926,000 | -2,530,000 |
| Income tax | -1,009,000 | -887,000 | -1,012,000 | -2,401,000 |
| Net income | -985,000 | -794,000 | 86,000 | -129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,892,000 | 90,278,000 | 90,347,000 | 90,133,000 |
| Total capital | 96,203,000 | 95,109,000 | 95,318,000 | 96,348,000 |
| Risk-weighted assets | 423,215,000 | 427,796,000 | 450,508,000 | 496,133,000 |