Call reports 2004
BANK OF THE ORIENT — 2004
What BANK OF THE ORIENT 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 | 522,004,000 | 527,023,000 | 543,349,000 | 546,864,000 |
| Total loans | 383,295,000 | 414,457,000 | 411,618,000 | 410,653,000 |
| Allowance for loan losses | 6,448,000 | 6,447,000 | 6,446,000 | 6,421,000 |
| Securities available for sale | 73,321,000 | 57,708,000 | 70,960,000 | 63,363,000 |
| Securities held to maturity | 10,277,000 | 12,893,000 | 16,351,000 | 15,683,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 453,340,000 | 445,868,000 | 466,533,000 | 476,988,000 |
| Interest-bearing deposits | 393,939,000 | 387,950,000 | 402,937,000 | 404,728,000 |
| Noninterest-bearing deposits | 59,401,000 | 57,918,000 | 63,596,000 | 72,260,000 |
| Equity capital | 40,616,000 | 40,746,000 | 41,985,000 | 42,104,000 |
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 | 6,143,000 | 12,379,000 | 19,013,000 | 25,869,000 |
| Interest expense | 1,548,000 | 3,244,000 | 5,217,000 | 7,291,000 |
| Net interest income | 4,595,000 | 9,135,000 | 13,796,000 | 18,578,000 |
| Noninterest income | 466,000 | 915,000 | 1,336,000 | 1,874,000 |
| Noninterest expense | 3,868,000 | 7,690,000 | 11,596,000 | 15,606,000 |
| Provision for loan losses | 0 | 0 | -120,000 | 13,000 |
| Pretax income | 1,211,000 | 2,362,000 | 3,629,000 | 4,804,000 |
| Income tax | 409,000 | 748,000 | 1,114,000 | 1,240,000 |
| Net income | 802,000 | 1,614,000 | 2,515,000 | 3,564,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,601,000 | 41,413,000 | 42,314,000 | 42,580,000 |
| Total capital | 45,398,000 | 46,538,000 | 47,497,000 | 47,812,000 |
| Risk-weighted assets | 381,655,000 | 408,285,000 | 413,025,000 | 416,954,000 |