Call reports 2016
ORANGE BANK & TRUST COMPANY — 2016
What ORANGE BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 861,589,000 | 889,529,000 | 951,133,000 | 900,375,000 |
| Total loans | 465,659,000 | 495,980,000 | 527,530,000 | 541,866,000 |
| Allowance for loan losses | 7,489,000 | 6,625,000 | 7,067,000 | 7,739,000 |
| Securities available for sale | 328,807,000 | 307,357,000 | 295,595,000 | 279,282,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 687,470,000 | 709,111,000 | 766,287,000 | 713,934,000 |
| Interest-bearing deposits | 569,663,000 | 569,550,000 | 610,242,000 | 551,144,000 |
| Noninterest-bearing deposits | 117,807,000 | 139,561,000 | 156,044,000 | 162,790,000 |
| Equity capital | 89,037,000 | 89,958,000 | 89,668,000 | 85,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 7,241,000 | 14,473,000 | 21,933,000 | 29,762,000 |
| Interest expense | 967,000 | 1,923,000 | 2,898,000 | 3,733,000 |
| Net interest income | 6,274,000 | 12,550,000 | 19,035,000 | 26,029,000 |
| Noninterest income | 970,000 | 2,033,000 | 3,351,000 | 4,462,000 |
| Noninterest expense | 6,078,000 | 12,376,000 | 18,671,000 | 25,105,000 |
| Provision for loan losses | 359,000 | 539,000 | 983,000 | 1,792,000 |
| Pretax income | 807,000 | 1,822,000 | 2,886,000 | 3,903,000 |
| Income tax | 99,000 | 266,000 | 317,000 | 156,000 |
| Net income | 708,000 | 1,556,000 | 2,569,000 | 3,747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,036,000 | 90,079,000 | 90,287,000 | 89,686,000 |
| Total capital | 96,470,000 | 96,949,000 | 97,306,000 | 96,847,000 |
| Risk-weighted assets | 513,539,000 | 549,405,000 | 560,931,000 | 571,685,000 |