Call reports 2013
BANK OF ORCHARD — 2013
What BANK OF ORCHARD reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 25,111,000 | 25,210,000 | 24,383,000 | 24,230,000 |
| Total loans | 8,680,000 | 9,175,000 | 10,279,000 | 9,969,000 |
| Allowance for loan losses | 200,000 | 200,000 | 200,000 | 202,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,017,000 | 6,252,000 | 6,049,000 | 5,779,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,064,000 | 22,155,000 | 21,236,000 | 21,095,000 |
| Interest-bearing deposits | 18,816,000 | 18,761,000 | 18,374,000 | 17,486,000 |
| Noninterest-bearing deposits | 3,248,000 | 3,394,000 | 2,862,000 | 3,609,000 |
| Equity capital | 2,970,000 | 2,988,000 | 3,074,000 | 3,062,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 194,000 | 390,000 | 593,000 | 803,000 |
| Interest expense | 32,000 | 60,000 | 87,000 | 114,000 |
| Net interest income | 162,000 | 330,000 | 506,000 | 689,000 |
| Noninterest income | 23,000 | 48,000 | 75,000 | 109,000 |
| Noninterest expense | 147,000 | 248,000 | 343,000 | 481,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 38,000 | 130,000 | 238,000 | 317,000 |
| Income tax | 14,000 | 38,000 | 60,000 | 101,000 |
| Net income | 24,000 | 92,000 | 178,000 | 216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,970,000 | 2,988,000 | 3,074,000 | 3,062,000 |
| Total capital | 3,113,000 | 3,131,000 | 3,217,000 | 3,206,000 |
| Risk-weighted assets | 11,949,000 | 12,480,000 | 13,198,000 | 12,919,000 |