Call reports 2011
BANK OF ORCHARD — 2011
What BANK OF ORCHARD reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 22,843,000 | 23,806,000 | 23,335,000 | 24,254,000 |
| Total loans | 7,836,000 | 8,547,000 | 9,170,000 | 8,728,000 |
| Allowance for loan losses | 185,000 | 187,000 | 188,000 | 194,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,670,000 | 11,660,000 | 9,653,000 | 8,041,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,914,000 | 20,847,000 | 20,284,000 | 21,309,000 |
| Interest-bearing deposits | 17,566,000 | 18,584,000 | 18,078,000 | 18,323,000 |
| Noninterest-bearing deposits | 2,348,000 | 2,263,000 | 2,206,000 | 2,986,000 |
| Equity capital | 2,841,000 | 2,886,000 | 2,996,000 | 2,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 226,000 | 456,000 | 677,000 | 884,000 |
| Interest expense | 51,000 | 101,000 | 150,000 | 196,000 |
| Net interest income | 175,000 | 355,000 | 527,000 | 688,000 |
| Noninterest income | 21,000 | 41,000 | 69,000 | 97,000 |
| Noninterest expense | 140,000 | 230,000 | 317,000 | 473,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 56,000 | 166,000 | 279,000 | 312,000 |
| Income tax | -16,000 | -1,000 | 2,000 | 103,000 |
| Net income | 72,000 | 167,000 | 277,000 | 209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,841,000 | 2,886,000 | 2,996,000 | 2,828,000 |
| Total capital | 2,976,000 | 3,022,000 | 3,132,000 | 2,968,000 |
| Risk-weighted assets | 10,824,000 | 11,585,000 | 11,989,000 | 11,818,000 |