Call reports 2003
BANK OF THE ORIENT — 2003
What BANK OF THE ORIENT 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 | 510,512,000 | 497,716,000 | 508,420,000 | 520,170,000 |
| Total loans | 370,312,000 | 368,132,000 | 365,805,000 | 372,941,000 |
| Allowance for loan losses | 7,222,000 | 6,816,000 | 6,919,000 | 7,029,000 |
| Securities available for sale | 70,641,000 | 85,020,000 | 88,584,000 | 99,632,000 |
| Securities held to maturity | 9,775,000 | 10,253,000 | 9,977,000 | 10,277,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 447,346,000 | 433,762,000 | 437,740,000 | 451,661,000 |
| Interest-bearing deposits | 385,756,000 | 379,326,000 | 379,027,000 | 381,178,000 |
| Noninterest-bearing deposits | 61,590,000 | 54,436,000 | 58,713,000 | 70,483,000 |
| Equity capital | 38,778,000 | 39,544,000 | 39,492,000 | 40,187,000 |
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 | 6,853,000 | 13,374,000 | 19,719,000 | 26,181,000 |
| Interest expense | 1,847,000 | 3,558,000 | 5,103,000 | 6,654,000 |
| Net interest income | 5,006,000 | 9,816,000 | 14,616,000 | 19,527,000 |
| Noninterest income | 551,000 | 1,229,000 | 1,924,000 | 2,504,000 |
| Noninterest expense | 4,438,000 | 8,578,000 | 12,536,000 | 16,586,000 |
| Provision for loan losses | -70,000 | 0 | 100,000 | 440,000 |
| Pretax income | 1,490,000 | 2,853,000 | 4,349,000 | 5,443,000 |
| Income tax | 532,000 | 1,079,000 | 1,356,000 | 1,524,000 |
| Net income | 958,000 | 1,774,000 | 2,993,000 | 3,919,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,149,000 | 39,125,000 | 39,663,000 | 40,641,000 |
| Total capital | 42,752,000 | 43,688,000 | 44,257,000 | 45,328,000 |
| Risk-weighted assets | 365,609,000 | 362,294,000 | 364,763,000 | 372,174,000 |