Call reports 2018
BANK OF ORCHARD — 2018
What BANK OF ORCHARD reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 25,153,000 | 26,408,000 | 25,352,000 | 24,287,000 |
| Total loans | 7,034,000 | 7,031,000 | 7,564,000 | 7,228,000 |
| Allowance for loan losses | 232,000 | 200,000 | 200,000 | 200,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,595,000 | 4,487,000 | 4,792,000 | 4,789,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,599,000 | 22,753,000 | 21,656,000 | 20,674,000 |
| Interest-bearing deposits | 17,119,000 | 18,410,000 | 17,502,000 | 16,028,000 |
| Noninterest-bearing deposits | 4,480,000 | 4,343,000 | 4,154,000 | 4,646,000 |
| Equity capital | 3,503,000 | 3,610,000 | 3,642,000 | 3,552,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 189,000 | 384,000 | 589,000 | 808,000 |
| Interest expense | 33,000 | 68,000 | 104,000 | 145,000 |
| Net interest income | 156,000 | 316,000 | 485,000 | 663,000 |
| Noninterest income | 25,000 | 60,000 | 85,000 | 109,000 |
| Noninterest expense | 122,000 | 241,000 | 353,000 | 548,000 |
| Provision for loan losses | 0 | -32,000 | -32,000 | -32,000 |
| Pretax income | 59,000 | 167,000 | 249,000 | 256,000 |
| Income tax | 23,000 | 24,000 | 24,000 | 21,000 |
| Net income | 36,000 | 143,000 | 225,000 | 235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,503,000 | 3,610,000 | 3,642,000 | 3,552,000 |
| Total capital | 3,625,000 | 3,728,000 | 3,772,000 | 3,677,000 |
| Risk-weighted assets | 9,626,000 | 9,414,000 | 10,313,000 | 9,944,000 |