Call reports 2015
BANK OF THE ORIENT — 2015
What BANK OF THE ORIENT reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 465,969,000 | 463,244,000 | 492,754,000 | 483,793,000 |
| Total loans | 346,844,000 | 367,841,000 | 392,821,000 | 404,359,000 |
| Allowance for loan losses | 10,562,000 | 10,235,000 | 10,167,000 | 10,177,000 |
| Securities available for sale | 35,751,000 | 31,375,000 | 35,290,000 | 39,371,000 |
| Securities held to maturity | 44,000 | 43,000 | 43,000 | 42,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 387,914,000 | 384,792,000 | 413,118,000 | 406,485,000 |
| Interest-bearing deposits | 320,880,000 | 318,855,000 | 337,401,000 | 330,925,000 |
| Noninterest-bearing deposits | 67,034,000 | 65,937,000 | 75,717,000 | 75,560,000 |
| Equity capital | 54,602,000 | 54,098,000 | 55,416,000 | 55,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,425,000 | 8,740,000 | 13,245,000 | 18,032,000 |
| Interest expense | 278,000 | 550,000 | 874,000 | 1,214,000 |
| Net interest income | 4,147,000 | 8,190,000 | 12,371,000 | 16,818,000 |
| Noninterest income | 217,000 | 525,000 | 746,000 | 982,000 |
| Noninterest expense | 4,608,000 | 9,198,000 | 13,470,000 | 17,700,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -244,000 | -372,000 | -136,000 | 317,000 |
| Income tax | -6,000 | -26,000 | -52,000 | -90,000 |
| Net income | -238,000 | -346,000 | -84,000 | 407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,521,000 | 54,212,000 | 55,329,000 | 55,499,000 |
| Total capital | 55,476,000 | 58,354,000 | 59,719,000 | 60,046,000 |
| Risk-weighted assets | 306,966,000 | 325,144,000 | 345,355,000 | 358,061,000 |