Call reports 2008
BANK OF ORCHARD — 2008
What BANK OF ORCHARD reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 20,430,000 | 20,581,000 | 20,173,000 | 20,165,000 |
| Total loans | 4,895,000 | 5,510,000 | 6,196,000 | 6,413,000 |
| Allowance for loan losses | 160,000 | 160,000 | 160,000 | 161,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,504,000 | 11,504,000 | 11,998,000 | 12,198,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,699,000 | 17,837,000 | 17,431,000 | 17,461,000 |
| Interest-bearing deposits | 15,608,000 | 15,700,000 | 15,576,000 | 15,342,000 |
| Noninterest-bearing deposits | 2,091,000 | 2,137,000 | 1,855,000 | 2,119,000 |
| Equity capital | 2,538,000 | 2,572,000 | 2,577,000 | 2,597,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 259,000 | 505,000 | 743,000 | 977,000 |
| Interest expense | 127,000 | 238,000 | 341,000 | 434,000 |
| Net interest income | 132,000 | 267,000 | 402,000 | 543,000 |
| Noninterest income | 18,000 | 36,000 | 55,000 | 71,000 |
| Noninterest expense | 72,000 | 144,000 | 219,000 | 359,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 78,000 | 159,000 | 238,000 | 255,000 |
| Income tax | 22,000 | 69,000 | 93,000 | 90,000 |
| Net income | 56,000 | 90,000 | 145,000 | 165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,538,000 | 2,572,000 | 2,577,000 | 2,597,000 |
| Total capital | 2,651,000 | 2,684,000 | 2,689,000 | 2,710,000 |
| Risk-weighted assets | 10,166,000 | 10,167,000 | 9,534,000 | 9,166,000 |