Call reports 2003
ORION BANK — 2003
What ORION BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 794,989,000 | 826,824,000 | 863,503,000 | 935,820,000 |
| Total loans | 627,550,000 | 659,524,000 | 699,590,000 | 760,655,000 |
| Allowance for loan losses | 4,423,000 | 4,722,000 | 5,019,000 | 5,310,000 |
| Securities available for sale | 50,084,000 | 65,834,000 | 64,814,000 | 59,977,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 640,730,000 | 660,280,000 | 683,457,000 | 729,405,000 |
| Interest-bearing deposits | 547,291,000 | 643,875,000 | 666,480,000 | 710,493,000 |
| Noninterest-bearing deposits | 93,439,000 | 16,405,000 | 16,977,000 | 18,912,000 |
| Equity capital | 60,091,000 | 71,229,000 | 73,286,000 | 76,997,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 10,936,000 | 22,364,000 | 33,989,000 | 46,198,000 |
| Interest expense | 3,307,000 | 6,531,000 | 9,396,000 | 12,348,000 |
| Net interest income | 7,629,000 | 15,833,000 | 24,593,000 | 33,850,000 |
| Noninterest income | 934,000 | 1,848,000 | 2,994,000 | 4,245,000 |
| Noninterest expense | 4,161,000 | 8,309,000 | 12,712,000 | 17,518,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 4,570,000 | 9,240,000 | 14,462,000 | 20,116,000 |
| Income tax | 1,636,000 | 3,313,000 | 5,199,000 | 7,123,000 |
| Net income | 2,934,000 | 5,927,000 | 9,263,000 | 12,993,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,989,000 | 70,681,000 | 73,367,000 | 76,797,000 |
| Total capital | 64,412,000 | 75,403,000 | 78,386,000 | 82,107,000 |
| Risk-weighted assets | 633,121,000 | 692,261,000 | 745,223,000 | 800,988,000 |