Call reports 2004
ORION BANK — 2004
What ORION BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 1,029,042,000 | 1,115,574,000 | 1,157,441,000 | 1,252,134,000 |
| Total loans | 831,592,000 | 913,904,000 | 967,741,000 | 1,052,039,000 |
| Allowance for loan losses | 5,685,000 | 6,016,000 | 6,316,000 | 6,661,000 |
| Securities available for sale | 89,123,000 | 84,858,000 | 84,058,000 | 88,801,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 853,795,000 | 873,088,000 | 897,198,000 | 996,108,000 |
| Interest-bearing deposits | 825,581,000 | 848,631,000 | 875,247,000 | 969,664,000 |
| Noninterest-bearing deposits | 28,214,000 | 24,457,000 | 21,951,000 | 26,444,000 |
| Equity capital | 84,028,000 | 93,301,000 | 99,538,000 | 110,411,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 12,730,000 | 26,834,000 | 42,464,000 | 59,691,000 |
| Interest expense | 3,275,000 | 6,847,000 | 10,791,000 | 15,224,000 |
| Net interest income | 9,455,000 | 19,987,000 | 31,673,000 | 44,467,000 |
| Noninterest income | 1,254,000 | 2,626,000 | 3,422,000 | 4,203,000 |
| Noninterest expense | 4,811,000 | 10,365,000 | 15,676,000 | 20,812,000 |
| Provision for loan losses | 375,000 | 750,000 | 1,125,000 | 1,500,000 |
| Pretax income | 5,523,000 | 11,498,000 | 18,281,000 | 26,345,000 |
| Income tax | 1,982,000 | 3,964,000 | 6,504,000 | 9,588,000 |
| Net income | 3,541,000 | 7,534,000 | 11,777,000 | 16,757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,337,000 | 94,331,000 | 99,574,000 | 110,554,000 |
| Total capital | 89,022,000 | 100,347,000 | 105,890,000 | 117,215,000 |
| Risk-weighted assets | 878,785,000 | 976,792,000 | 1,023,284,000 | 1,121,085,000 |