Call reports 2012
BANK OF ORCHARD — 2012
What BANK OF ORCHARD reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 24,412,000 | 25,210,000 | 24,331,000 | 25,030,000 |
| Total loans | 8,223,000 | 10,022,000 | 9,931,000 | 9,266,000 |
| Allowance for loan losses | 196,000 | 197,000 | 198,000 | 200,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,317,000 | 6,713,000 | 5,593,000 | 4,878,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,459,000 | 22,211,000 | 21,234,000 | 21,997,000 |
| Interest-bearing deposits | 18,599,000 | 19,567,000 | 18,569,000 | 18,700,000 |
| Noninterest-bearing deposits | 2,860,000 | 2,644,000 | 2,665,000 | 3,297,000 |
| Equity capital | 2,831,000 | 2,886,000 | 2,979,000 | 2,946,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 197,000 | 411,000 | 632,000 | 840,000 |
| Interest expense | 45,000 | 85,000 | 122,000 | 158,000 |
| Net interest income | 152,000 | 326,000 | 510,000 | 682,000 |
| Noninterest income | 25,000 | 49,000 | 75,000 | 98,000 |
| Noninterest expense | 149,000 | 241,000 | 332,000 | 469,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 28,000 | 134,000 | 253,000 | 311,000 |
| Income tax | 25,000 | 76,000 | 102,000 | 93,000 |
| Net income | 3,000 | 58,000 | 151,000 | 218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,831,000 | 2,886,000 | 2,979,000 | 2,946,000 |
| Total capital | 2,972,000 | 3,028,000 | 3,121,000 | 3,089,000 |
| Risk-weighted assets | 11,550,000 | 13,149,000 | 12,900,000 | 12,528,000 |