Call reports 2014
BANK OF ORCHARD — 2014
What BANK OF ORCHARD reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 26,116,000 | 26,352,000 | 24,323,000 | 25,182,000 |
| Total loans | 9,755,000 | 9,833,000 | 10,398,000 | 10,174,000 |
| Allowance for loan losses | 201,000 | 199,000 | 202,000 | 207,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,729,000 | 6,472,000 | 6,556,000 | 5,509,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,869,000 | 23,049,000 | 20,929,000 | 21,880,000 |
| Interest-bearing deposits | 19,429,000 | 18,290,000 | 17,422,000 | 17,187,000 |
| Noninterest-bearing deposits | 3,440,000 | 4,759,000 | 3,507,000 | 4,693,000 |
| Equity capital | 3,148,000 | 3,226,000 | 3,311,000 | 3,219,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 208,000 | 419,000 | 639,000 | 852,000 |
| Interest expense | 25,000 | 51,000 | 75,000 | 101,000 |
| Net interest income | 183,000 | 368,000 | 564,000 | 751,000 |
| Noninterest income | 25,000 | 50,000 | 77,000 | 102,000 |
| Noninterest expense | 105,000 | 214,000 | 330,000 | 495,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 103,000 | 204,000 | 311,000 | 358,000 |
| Income tax | 17,000 | 40,000 | 62,000 | 101,000 |
| Net income | 86,000 | 164,000 | 249,000 | 257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,148,000 | 3,226,000 | 3,311,000 | 3,219,000 |
| Total capital | 3,292,000 | 3,369,000 | 3,455,000 | 3,366,000 |
| Risk-weighted assets | 13,125,000 | 13,596,000 | 13,280,000 | 13,272,000 |