Call reports 2013
BANK OF THE ORIENT — 2013
What BANK OF THE ORIENT reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 476,370,000 | 466,477,000 | 466,135,000 | 467,936,000 |
| Total loans | 315,362,000 | 314,026,000 | 310,427,000 | 334,781,000 |
| Allowance for loan losses | 18,966,000 | 18,301,000 | 17,646,000 | 10,010,000 |
| Securities available for sale | 57,205,000 | 28,413,000 | 47,160,000 | 83,192,000 |
| Securities held to maturity | 336,000 | 195,000 | 194,000 | 88,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 399,545,000 | 395,329,000 | 395,636,000 | 391,142,000 |
| Interest-bearing deposits | 340,722,000 | 339,317,000 | 335,003,000 | 329,778,000 |
| Noninterest-bearing deposits | 58,823,000 | 56,012,000 | 60,633,000 | 61,364,000 |
| Equity capital | 48,983,000 | 47,920,000 | 47,690,000 | 53,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,641,000 | 10,179,000 | 14,619,000 | 19,233,000 |
| Interest expense | 1,096,000 | 2,019,000 | 2,420,000 | 2,804,000 |
| Net interest income | 4,545,000 | 8,160,000 | 12,199,000 | 16,429,000 |
| Noninterest income | 265,000 | 627,000 | 854,000 | 1,160,000 |
| Noninterest expense | 4,681,000 | 9,339,000 | 14,097,000 | 19,289,000 |
| Provision for loan losses | 0 | 0 | 0 | -7,500,000 |
| Pretax income | 416,000 | 521,000 | 29,000 | 6,873,000 |
| Income tax | 0 | 17,000 | 33,000 | 63,000 |
| Net income | 416,000 | 504,000 | -4,000 | 6,810,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,562,000 | 45,650,000 | 45,142,000 | 51,956,000 |
| Total capital | 49,480,000 | 49,520,000 | 48,952,000 | 55,998,000 |
| Risk-weighted assets | 298,270,000 | 295,122,000 | 290,870,000 | 317,349,000 |