Call reports 2009
BANK OF ORCHARD — 2009
What BANK OF ORCHARD reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 21,784,000 | 22,793,000 | 22,496,000 | 22,942,000 |
| Total loans | 6,374,000 | 6,894,000 | 6,812,000 | 6,574,000 |
| Allowance for loan losses | 161,000 | 162,000 | 166,000 | 168,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,142,000 | 12,860,000 | 12,764,000 | 12,013,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,001,000 | 19,905,000 | 19,582,000 | 19,998,000 |
| Interest-bearing deposits | 16,755,000 | 17,853,000 | 17,643,000 | 17,793,000 |
| Noninterest-bearing deposits | 2,245,000 | 2,052,000 | 1,939,000 | 2,205,000 |
| Equity capital | 2,678,000 | 2,736,000 | 2,763,000 | 2,797,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 235,000 | 481,000 | 726,000 | 954,000 |
| Interest expense | 83,000 | 167,000 | 249,000 | 327,000 |
| Net interest income | 152,000 | 314,000 | 477,000 | 627,000 |
| Noninterest income | 17,000 | 33,000 | 55,000 | 78,000 |
| Noninterest expense | 81,000 | 171,000 | 265,000 | 381,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 88,000 | 176,000 | 267,000 | 324,000 |
| Income tax | 7,000 | 37,000 | 51,000 | 74,000 |
| Net income | 81,000 | 139,000 | 216,000 | 250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,678,000 | 2,736,000 | 2,763,000 | 2,797,000 |
| Total capital | 2,792,000 | 2,874,000 | 2,904,000 | 2,939,000 |
| Risk-weighted assets | 11,022,000 | 10,993,000 | 10,664,000 | 11,928,000 |