Call reports 2003
ORANGE SAVINGS BANK, SSB — 2003
What ORANGE SAVINGS BANK, SSB reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 202,038,000 | 196,023,000 | 208,842,000 | 200,774,000 |
| Total loans | 127,600,000 | 124,008,000 | 123,189,000 | 124,186,000 |
| Allowance for loan losses | 1,338,000 | 1,488,000 | 1,567,000 | 1,557,000 |
| Securities available for sale | 49,012,000 | 46,922,000 | 50,582,000 | 48,316,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,735,000 | 179,936,000 | 184,824,000 | 176,500,000 |
| Interest-bearing deposits | 169,850,000 | 164,270,000 | 166,770,000 | 161,290,000 |
| Noninterest-bearing deposits | 16,885,000 | 15,667,000 | 18,055,000 | 15,211,000 |
| Equity capital | 15,114,000 | 15,658,000 | 15,835,000 | 16,144,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,824,000 | 5,628,000 | 8,387,000 | 10,917,000 |
| Interest expense | 813,000 | 1,587,000 | 2,316,000 | 2,992,000 |
| Net interest income | 2,011,000 | 4,041,000 | 6,071,000 | 7,925,000 |
| Noninterest income | 542,000 | 1,108,000 | 1,708,000 | 2,133,000 |
| Noninterest expense | 1,480,000 | 2,978,000 | 4,610,000 | 6,368,000 |
| Provision for loan losses | 185,000 | 364,000 | 470,000 | 572,000 |
| Pretax income | 888,000 | 1,822,000 | 2,714,000 | 3,183,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 888,000 | 1,821,000 | 2,713,000 | 3,182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,327,000 | 14,727,000 | 15,221,000 | 15,360,000 |
| Total capital | 15,665,000 | 16,155,000 | 16,717,000 | 16,860,000 |
| Risk-weighted assets | 116,722,000 | 114,192,000 | 119,526,000 | 119,792,000 |
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