Call reports 2007
BANK OF ORCHARD — 2007
What BANK OF ORCHARD reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 19,420,000 | 23,408,000 | 19,800,000 | 19,721,000 |
| Total loans | 4,520,000 | 5,439,000 | 5,854,000 | 5,636,000 |
| Allowance for loan losses | 155,000 | 155,000 | 155,000 | 160,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,557,000 | 12,557,000 | 12,550,000 | 12,760,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,683,000 | 20,724,000 | 17,069,000 | 17,066,000 |
| Interest-bearing deposits | 14,802,000 | 18,777,000 | 15,159,000 | 15,059,000 |
| Noninterest-bearing deposits | 1,881,000 | 1,947,000 | 1,910,000 | 2,007,000 |
| Equity capital | 2,564,000 | 2,508,000 | 2,538,000 | 2,482,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 256,000 | 537,000 | 832,000 | 1,103,000 |
| Interest expense | 132,000 | 272,000 | 415,000 | 550,000 |
| Net interest income | 124,000 | 265,000 | 417,000 | 553,000 |
| Noninterest income | 18,000 | 32,000 | 49,000 | 69,000 |
| Noninterest expense | 74,000 | 145,000 | 214,000 | 350,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 68,000 | 152,000 | 252,000 | 272,000 |
| Income tax | -21,000 | 19,000 | 39,000 | 65,000 |
| Net income | 89,000 | 133,000 | 213,000 | 207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,564,000 | 2,508,000 | 2,538,000 | 2,482,000 |
| Total capital | 2,676,000 | 2,620,000 | 2,650,000 | 2,595,000 |
| Risk-weighted assets | 8,807,000 | 12,779,000 | 9,170,000 | 8,797,000 |