Call reports 2010
BANK OF ORCHARD — 2010
What BANK OF ORCHARD reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 22,851,000 | 23,195,000 | 22,979,000 | 23,180,000 |
| Total loans | 6,232,000 | 6,998,000 | 7,937,000 | 8,440,000 |
| Allowance for loan losses | 151,000 | 154,000 | 156,000 | 178,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,955,000 | 12,279,000 | 12,338,000 | 13,275,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,987,000 | 20,302,000 | 20,072,000 | 19,673,000 |
| Interest-bearing deposits | 17,669,000 | 17,893,000 | 17,888,000 | 17,167,000 |
| Noninterest-bearing deposits | 2,318,000 | 2,409,000 | 2,184,000 | 2,506,000 |
| Equity capital | 2,697,000 | 2,782,000 | 2,822,000 | 2,769,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 222,000 | 449,000 | 671,000 | 904,000 |
| Interest expense | 71,000 | 135,000 | 197,000 | 253,000 |
| Net interest income | 151,000 | 314,000 | 474,000 | 651,000 |
| Noninterest income | 21,000 | 41,000 | 62,000 | 85,000 |
| Noninterest expense | 148,000 | 241,000 | 327,000 | 452,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 24,000 | 114,000 | 209,000 | 284,000 |
| Income tax | 24,000 | 29,000 | 34,000 | 112,000 |
| Net income | 0 | 85,000 | 175,000 | 172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,697,000 | 2,782,000 | 2,822,000 | 2,769,000 |
| Total capital | 2,825,000 | 2,912,000 | 2,953,000 | 2,917,000 |
| Risk-weighted assets | 9,723,000 | 10,339,000 | 10,952,000 | 11,394,000 |