Call reports 2005
ORANGE SAVINGS BANK, SSB — 2005
What ORANGE SAVINGS BANK, SSB reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 241,431,000 | 250,189,000 | 248,704,000 | 285,956,000 |
| Total loans | 151,352,000 | 154,335,000 | 155,695,000 | 158,278,000 |
| Allowance for loan losses | 1,461,000 | 1,603,000 | 1,008,000 | 1,067,000 |
| Securities available for sale | 64,755,000 | 70,431,000 | 71,385,000 | 77,779,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,080,000 | 217,320,000 | 219,361,000 | 257,066,000 |
| Interest-bearing deposits | 181,871,000 | 187,148,000 | 193,026,000 | 208,076,000 |
| Noninterest-bearing deposits | 27,209,000 | 30,172,000 | 26,335,000 | 48,990,000 |
| Equity capital | 19,865,000 | 20,296,000 | 20,063,000 | 20,105,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,094,000 | 6,327,000 | 9,791,000 | 13,525,000 |
| Interest expense | 912,000 | 1,943,000 | 3,193,000 | 4,511,000 |
| Net interest income | 2,182,000 | 4,384,000 | 6,598,000 | 9,014,000 |
| Noninterest income | 567,000 | 1,251,000 | 1,885,000 | 2,302,000 |
| Noninterest expense | 2,108,000 | 4,269,000 | 6,693,000 | 8,932,000 |
| Provision for loan losses | 455,000 | 639,000 | 856,000 | 1,045,000 |
| Pretax income | 242,000 | 783,000 | 990,000 | 1,395,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 237,000 | 778,000 | 985,000 | 1,390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,903,000 | 18,400,000 | 18,211,000 | 18,648,000 |
| Total capital | 19,364,000 | 20,003,000 | 19,219,000 | 19,715,000 |
| Risk-weighted assets | 148,861,000 | 153,216,000 | 153,794,000 | 163,234,000 |