Call reports 2004
ORANGE SAVINGS BANK, SSB — 2004
What ORANGE SAVINGS BANK, SSB reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 207,646,000 | 200,779,000 | 199,086,000 | 232,987,000 |
| Total loans | 121,426,000 | 127,953,000 | 130,493,000 | 152,424,000 |
| Allowance for loan losses | 1,443,000 | 1,484,000 | 1,556,000 | 1,025,000 |
| Securities available for sale | 58,936,000 | 51,115,000 | 52,434,000 | 59,456,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,011,000 | 182,023,000 | 179,552,000 | 201,750,000 |
| Interest-bearing deposits | 162,603,000 | 163,821,000 | 159,655,000 | 176,747,000 |
| Noninterest-bearing deposits | 17,407,000 | 18,202,000 | 19,897,000 | 25,003,000 |
| Equity capital | 15,416,000 | 14,510,000 | 15,230,000 | 20,651,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,477,000 | 4,987,000 | 7,548,000 | 12,095,000 |
| Interest expense | 633,000 | 1,257,000 | 1,921,000 | 2,976,000 |
| Net interest income | 1,844,000 | 3,730,000 | 5,627,000 | 9,119,000 |
| Noninterest income | 418,000 | 876,000 | 1,328,000 | 2,687,000 |
| Noninterest expense | 1,660,000 | 3,349,000 | 5,032,000 | 8,828,000 |
| Provision for loan losses | 93,000 | 198,000 | 306,000 | 1,091,000 |
| Pretax income | 584,000 | 1,110,000 | 1,668,000 | 1,997,000 |
| Income tax | 20,000 | 81,000 | 81,000 | 256,000 |
| Net income | 564,000 | 1,029,000 | 1,587,000 | 1,778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,654,000 | 14,576,000 | 14,781,000 | 18,056,000 |
| Total capital | 16,097,000 | 16,060,000 | 16,337,000 | 19,081,000 |
| Risk-weighted assets | 126,390,000 | 122,355,000 | 124,189,000 | 148,112,000 |