Call reports 2016
BANK OF THE ORIENT — 2016
What BANK OF THE ORIENT reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 499,596,000 | 524,816,000 | 559,100,000 | 568,347,000 |
| Total loans | 411,515,000 | 428,128,000 | 474,209,000 | 472,586,000 |
| Allowance for loan losses | 10,187,000 | 10,150,000 | 10,162,000 | 9,843,000 |
| Securities available for sale | 37,428,000 | 19,602,000 | 26,024,000 | 26,727,000 |
| Securities held to maturity | 41,000 | 41,000 | 41,000 | 40,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 417,772,000 | 436,418,000 | 453,694,000 | 461,330,000 |
| Interest-bearing deposits | 332,696,000 | 353,627,000 | 364,357,000 | 366,461,000 |
| Noninterest-bearing deposits | 85,076,000 | 82,791,000 | 89,337,000 | 94,869,000 |
| Equity capital | 56,200,000 | 58,061,000 | 61,255,000 | 60,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,016,000 | 10,089,000 | 15,648,000 | 21,446,000 |
| Interest expense | 342,000 | 683,000 | 1,127,000 | 1,587,000 |
| Net interest income | 4,674,000 | 9,406,000 | 14,521,000 | 19,859,000 |
| Noninterest income | 268,000 | 497,000 | 643,000 | 866,000 |
| Noninterest expense | 4,644,000 | 9,332,000 | 14,099,000 | 18,990,000 |
| Provision for loan losses | -117,000 | -117,000 | -117,000 | -359,000 |
| Pretax income | 416,000 | 842,000 | 1,336,000 | 2,251,000 |
| Income tax | 9,000 | 30,000 | 50,000 | 84,000 |
| Net income | 407,000 | 812,000 | 1,286,000 | 2,167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,985,000 | 57,808,000 | 61,065,000 | 60,814,000 |
| Total capital | 60,822,000 | 62,955,000 | 66,615,000 | 66,585,000 |
| Risk-weighted assets | 381,484,000 | 406,642,000 | 439,284,000 | 457,303,000 |