Call reports 2019
BANK OF ORCHARD — 2019
What BANK OF ORCHARD reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 24,616,000 | 25,527,000 | 24,568,000 | 25,009,000 |
| Total loans | 7,080,000 | 7,617,000 | 8,514,000 | 7,728,000 |
| Allowance for loan losses | 200,000 | 200,000 | 200,000 | 200,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,787,000 | 4,534,000 | 4,329,000 | 4,423,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,950,000 | 21,870,000 | 20,848,000 | 21,360,000 |
| Interest-bearing deposits | 16,450,000 | 17,413,000 | 16,504,000 | 16,921,000 |
| Noninterest-bearing deposits | 4,500,000 | 4,457,000 | 4,344,000 | 4,439,000 |
| Equity capital | 3,604,000 | 3,595,000 | 3,645,000 | 3,599,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 215,000 | 433,000 | 661,000 | 884,000 |
| Interest expense | 43,000 | 90,000 | 137,000 | 181,000 |
| Net interest income | 172,000 | 343,000 | 524,000 | 703,000 |
| Noninterest income | 21,000 | 47,000 | 77,000 | 104,000 |
| Noninterest expense | 141,000 | 278,000 | 429,000 | 601,000 |
| Provision for loan losses | 0 | 0 | 0 | 40,000 |
| Pretax income | 52,000 | 112,000 | 172,000 | 171,000 |
| Income tax | 0 | 19,000 | 29,000 | 24,000 |
| Net income | 52,000 | 93,000 | 143,000 | 147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,604,000 | 3,595,000 | 3,645,000 | 3,599,000 |
| Total capital | 3,729,000 | 3,728,000 | 3,788,000 | 3,734,000 |
| Risk-weighted assets | 9,964,000 | 10,533,000 | 11,375,000 | 10,748,000 |