Call reports 2016
BANK OF ORCHARD — 2016
What BANK OF ORCHARD reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 24,868,000 | 25,155,000 | 24,396,000 | 23,747,000 |
| Total loans | 9,011,000 | 8,863,000 | 8,948,000 | 8,778,000 |
| Allowance for loan losses | 208,000 | 208,000 | 209,000 | 209,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,846,000 | 2,592,000 | 2,746,000 | 2,739,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,301,000 | 21,536,000 | 20,700,000 | 20,221,000 |
| Interest-bearing deposits | 17,341,000 | 17,946,000 | 17,145,000 | 16,376,000 |
| Noninterest-bearing deposits | 3,960,000 | 3,590,000 | 3,555,000 | 3,845,000 |
| Equity capital | 3,486,000 | 3,544,000 | 3,614,000 | 3,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 202,000 | 402,000 | 602,000 | 803,000 |
| Interest expense | 25,000 | 49,000 | 74,000 | 100,000 |
| Net interest income | 177,000 | 353,000 | 528,000 | 703,000 |
| Noninterest income | 25,000 | 50,000 | 77,000 | 105,000 |
| Noninterest expense | 123,000 | 240,000 | 347,000 | 527,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 92,000 | 176,000 | 271,000 | 294,000 |
| Income tax | 1,000 | 27,000 | 52,000 | 101,000 |
| Net income | 91,000 | 149,000 | 219,000 | 193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,486,000 | 3,544,000 | 3,614,000 | 3,438,000 |
| Total capital | 3,655,000 | 3,713,000 | 3,783,000 | 3,602,000 |
| Risk-weighted assets | 13,505,000 | 13,411,000 | 13,358,000 | 13,084,000 |