Call reports 2017
BANK OF ORCHARD — 2017
What BANK OF ORCHARD reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 24,497,000 | 25,909,000 | 25,332,000 | 24,724,000 |
| Total loans | 7,170,000 | 7,183,000 | 7,251,000 | 7,263,000 |
| Allowance for loan losses | 209,000 | 232,000 | 232,000 | 232,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,730,000 | 3,045,000 | 3,311,000 | 3,405,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,923,000 | 22,364,000 | 21,781,000 | 21,215,000 |
| Interest-bearing deposits | 17,037,000 | 18,554,000 | 17,969,000 | 16,278,000 |
| Noninterest-bearing deposits | 3,886,000 | 3,810,000 | 3,812,000 | 4,937,000 |
| Equity capital | 3,503,000 | 3,478,000 | 3,477,000 | 3,467,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 187,000 | 367,000 | 557,000 | 742,000 |
| Interest expense | 27,000 | 57,000 | 88,000 | 118,000 |
| Net interest income | 160,000 | 310,000 | 469,000 | 624,000 |
| Noninterest income | 24,000 | 50,000 | 76,000 | 104,000 |
| Noninterest expense | 126,000 | 246,000 | 360,000 | 516,000 |
| Provision for loan losses | 0 | 56,000 | 56,000 | 56,000 |
| Pretax income | 58,000 | 60,000 | 131,000 | 158,000 |
| Income tax | -7,000 | 20,000 | 42,000 | 29,000 |
| Net income | 65,000 | 40,000 | 89,000 | 129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,503,000 | 3,478,000 | 3,477,000 | 3,467,000 |
| Total capital | 3,653,000 | 3,632,000 | 3,596,000 | 3,586,000 |
| Risk-weighted assets | 11,930,000 | 12,257,000 | 9,372,000 | 9,412,000 |