Call reports 2015
BANK OF ORCHARD — 2015
What BANK OF ORCHARD reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 26,002,000 | 25,362,000 | 24,917,000 | 24,655,000 |
| Total loans | 9,767,000 | 9,463,000 | 9,553,000 | 9,775,000 |
| Allowance for loan losses | 207,000 | 206,000 | 198,000 | 200,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,920,000 | 4,403,000 | 4,397,000 | 3,474,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,585,000 | 21,981,000 | 21,474,000 | 21,186,000 |
| Interest-bearing deposits | 18,328,000 | 18,415,000 | 17,994,000 | 16,739,000 |
| Noninterest-bearing deposits | 4,257,000 | 3,566,000 | 3,480,000 | 4,447,000 |
| Equity capital | 3,326,000 | 3,297,000 | 3,352,000 | 3,395,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 214,000 | 424,000 | 631,000 | 839,000 |
| Interest expense | 24,000 | 49,000 | 73,000 | 98,000 |
| Net interest income | 190,000 | 375,000 | 558,000 | 741,000 |
| Noninterest income | 24,000 | 46,000 | 70,000 | 91,000 |
| Noninterest expense | 117,000 | 260,000 | 387,000 | 509,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 107,000 | 178,000 | 258,000 | 366,000 |
| Income tax | 0 | 50,000 | 75,000 | 90,000 |
| Net income | 107,000 | 128,000 | 183,000 | 276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,326,000 | 3,297,000 | 3,352,000 | 3,395,000 |
| Total capital | 3,491,000 | 3,457,000 | 3,513,000 | 3,571,000 |
| Risk-weighted assets | 13,128,000 | 12,773,000 | 12,870,000 | 14,082,000 |