Call reports 2005
BANK OF THE ORIENT — 2005
What BANK OF THE ORIENT 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 | 565,275,000 | 568,210,000 | 584,788,000 | 584,218,000 |
| Total loans | 433,428,000 | 435,372,000 | 424,056,000 | 442,164,000 |
| Allowance for loan losses | 6,716,000 | 7,038,000 | 6,834,000 | 6,849,000 |
| Securities available for sale | 73,549,000 | 73,781,000 | 87,286,000 | 82,760,000 |
| Securities held to maturity | 15,386,000 | 15,075,000 | 15,640,000 | 15,900,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 482,219,000 | 481,587,000 | 492,508,000 | 494,993,000 |
| Interest-bearing deposits | 422,739,000 | 421,285,000 | 430,912,000 | 434,205,000 |
| Noninterest-bearing deposits | 59,480,000 | 60,302,000 | 61,596,000 | 60,788,000 |
| Equity capital | 42,541,000 | 43,692,000 | 44,626,000 | 45,927,000 |
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 | 7,247,000 | 14,919,000 | 23,093,000 | 31,791,000 |
| Interest expense | 2,249,000 | 4,751,000 | 7,534,000 | 10,616,000 |
| Net interest income | 4,998,000 | 10,168,000 | 15,559,000 | 21,175,000 |
| Noninterest income | 454,000 | 889,000 | 1,417,000 | 1,952,000 |
| Noninterest expense | 4,061,000 | 8,091,000 | 12,301,000 | 16,536,000 |
| Provision for loan losses | 280,000 | 610,000 | 610,000 | 710,000 |
| Pretax income | 1,111,000 | 2,356,000 | 4,065,000 | 5,881,000 |
| Income tax | 353,000 | 736,000 | 1,290,000 | 1,772,000 |
| Net income | 758,000 | 1,620,000 | 2,775,000 | 4,109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,338,000 | 44,200,000 | 45,355,000 | 46,689,000 |
| Total capital | 48,875,000 | 49,823,000 | 50,787,000 | 52,316,000 |
| Risk-weighted assets | 441,322,000 | 448,040,000 | 432,633,000 | 448,412,000 |