Call reports 2008
BANK OF THE ORIENT — 2008
What BANK OF THE ORIENT reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 742,575,000 | 730,755,000 | 731,390,000 | 728,107,000 |
| Total loans | 596,819,000 | 605,205,000 | 592,252,000 | 594,711,000 |
| Allowance for loan losses | 7,774,000 | 8,775,000 | 9,648,000 | 8,526,000 |
| Securities available for sale | 52,445,000 | 56,400,000 | 63,905,000 | 59,767,000 |
| Securities held to maturity | 15,464,000 | 15,099,000 | 14,285,000 | 13,532,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 582,732,000 | 567,619,000 | 570,879,000 | 573,454,000 |
| Interest-bearing deposits | 524,026,000 | 510,719,000 | 514,051,000 | 515,261,000 |
| Noninterest-bearing deposits | 58,706,000 | 56,900,000 | 56,828,000 | 58,193,000 |
| Equity capital | 60,178,000 | 60,248,000 | 60,923,000 | 61,853,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 11,912,000 | 23,142,000 | 34,404,000 | 45,048,000 |
| Interest expense | 5,543,000 | 10,607,000 | 15,164,000 | 19,545,000 |
| Net interest income | 6,369,000 | 12,535,000 | 19,240,000 | 25,503,000 |
| Noninterest income | 493,000 | 932,000 | 1,341,000 | 1,616,000 |
| Noninterest expense | 5,101,000 | 10,326,000 | 15,665,000 | 20,104,000 |
| Provision for loan losses | 217,000 | 1,268,000 | 2,143,000 | 4,334,000 |
| Pretax income | 1,678,000 | 2,011,000 | 2,912,000 | 2,820,000 |
| Income tax | 490,000 | 588,000 | 731,000 | 199,000 |
| Net income | 1,188,000 | 1,423,000 | 2,181,000 | 2,621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,632,000 | 58,867,000 | 59,625,000 | 59,825,000 |
| Total capital | 66,058,000 | 66,327,000 | 66,985,000 | 67,150,000 |
| Risk-weighted assets | 593,291,000 | 595,057,000 | 586,137,000 | 584,408,000 |