Call reports 2004
BANK OF ORCHARD — 2004
What BANK OF ORCHARD 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 | 19,999,000 | 20,246,000 | 19,308,000 | 19,379,000 |
| Total loans | 5,186,000 | 5,512,000 | 5,988,000 | 5,033,000 |
| Allowance for loan losses | 136,000 | 142,000 | 143,000 | 143,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,450,000 | 11,700,000 | 11,695,000 | 12,195,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,492,000 | 17,799,000 | 16,791,000 | 16,936,000 |
| Interest-bearing deposits | 15,927,000 | 16,130,000 | 15,317,000 | 15,141,000 |
| Noninterest-bearing deposits | 1,565,000 | 1,669,000 | 1,474,000 | 1,795,000 |
| Equity capital | 2,374,000 | 2,349,000 | 2,411,000 | 2,351,000 |
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 | 229,000 | 461,000 | 701,000 | 934,000 |
| Interest expense | 75,000 | 143,000 | 209,000 | 273,000 |
| Net interest income | 154,000 | 318,000 | 492,000 | 661,000 |
| Noninterest income | 13,000 | 27,000 | 42,000 | 55,000 |
| Noninterest expense | 69,000 | 146,000 | 245,000 | 353,000 |
| Provision for loan losses | 0 | 0 | 0 | 52,000 |
| Pretax income | 98,000 | 199,000 | 289,000 | 311,000 |
| Income tax | 20,000 | 46,000 | 74,000 | 106,000 |
| Net income | 78,000 | 153,000 | 215,000 | 205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,374,000 | 2,349,000 | 2,411,000 | 2,351,000 |
| Total capital | 2,487,000 | 2,458,000 | 2,522,000 | 2,451,000 |
| Risk-weighted assets | 8,498,000 | 8,705,000 | 8,872,000 | 7,926,000 |
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