Call reports 2002
ORANGE SAVINGS BANK, SSB — 2002
What ORANGE SAVINGS BANK, SSB reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 199,664,000 | 204,500,000 | 207,856,000 | 204,106,000 |
| Total loans | 118,707,000 | 122,902,000 | 124,952,000 | 125,050,000 |
| Allowance for loan losses | 1,019,000 | 1,009,000 | 1,127,000 | 1,238,000 |
| Securities available for sale | 51,408,000 | 49,198,000 | 50,990,000 | 48,348,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,272,000 | 189,207,000 | 191,939,000 | 189,476,000 |
| Interest-bearing deposits | 172,151,000 | 173,752,000 | 170,404,000 | 169,429,000 |
| Noninterest-bearing deposits | 13,120,000 | 15,455,000 | 21,535,000 | 20,047,000 |
| Equity capital | 14,221,000 | 15,062,000 | 15,685,000 | 14,494,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,007,000 | 6,017,000 | 9,140,000 | 12,116,000 |
| Interest expense | 1,133,000 | 2,156,000 | 3,122,000 | 4,004,000 |
| Net interest income | 1,874,000 | 3,861,000 | 6,018,000 | 8,112,000 |
| Noninterest income | 318,000 | 661,000 | 1,007,000 | 1,345,000 |
| Noninterest expense | 1,379,000 | 2,768,000 | 4,177,000 | 5,591,000 |
| Provision for loan losses | 96,000 | 258,000 | 390,000 | 521,000 |
| Pretax income | 718,000 | 1,497,000 | 2,459,000 | 3,346,000 |
| Income tax | 0 | -22,000 | 3,000 | 3,000 |
| Net income | 718,000 | 1,519,000 | 2,456,000 | 3,343,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,762,000 | 14,310,000 | 14,726,000 | 13,703,000 |
| Total capital | 14,781,000 | 15,319,000 | 15,853,000 | 14,941,000 |
| Risk-weighted assets | 103,068,000 | 107,557,000 | 114,499,000 | 113,730,000 |