Call reports 2007
ORANGE SAVINGS BANK, SSB — 2007
What ORANGE SAVINGS BANK, SSB reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 310,382,000 | 312,088,000 | 322,614,000 | 309,915,000 |
| Total loans | 177,128,000 | 181,864,000 | 185,283,000 | 188,636,000 |
| Allowance for loan losses | 1,121,000 | 920,000 | 943,000 | 988,000 |
| Securities available for sale | 106,471,000 | 106,457,000 | 105,586,000 | 95,726,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,573,000 | 286,828,000 | 289,205,000 | 281,456,000 |
| Interest-bearing deposits | 247,705,000 | 247,073,000 | 245,463,000 | 245,918,000 |
| Noninterest-bearing deposits | 39,868,000 | 39,754,000 | 43,742,000 | 35,539,000 |
| Equity capital | 21,886,000 | 21,355,000 | 22,840,000 | 23,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,521,000 | 9,253,000 | 14,029,000 | 18,813,000 |
| Interest expense | 2,188,000 | 4,438,000 | 6,793,000 | 9,108,000 |
| Net interest income | 2,333,000 | 4,815,000 | 7,236,000 | 9,705,000 |
| Noninterest income | 625,000 | 1,306,000 | 1,992,000 | 2,659,000 |
| Noninterest expense | 2,358,000 | 5,003,000 | 7,290,000 | 9,559,000 |
| Provision for loan losses | 21,000 | -159,000 | -95,000 | -7,000 |
| Pretax income | 579,000 | 1,277,000 | 2,033,000 | 2,812,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 670,000 | 1,374,000 | 2,140,000 | 2,922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,533,000 | 20,803,000 | 21,082,000 | 21,772,000 |
| Total capital | 21,654,000 | 21,723,000 | 22,025,000 | 22,760,000 |
| Risk-weighted assets | 172,576,000 | 174,037,000 | 175,067,000 | 174,610,000 |