Call reports 2020
BANK OF ORCHARD — 2020
What BANK OF ORCHARD reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 24,951,000 | 27,437,000 | 29,469,000 | 27,405,000 |
| Total loans | 6,656,000 | 6,837,000 | 7,268,000 | 7,200,000 |
| Allowance for loan losses | 200,000 | 200,000 | 200,000 | 200,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,667,000 | 6,559,000 | 7,990,000 | 9,020,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,197,000 | 23,644,000 | 25,692,000 | 23,686,000 |
| Interest-bearing deposits | 16,974,000 | 18,907,000 | 21,085,000 | 18,772,000 |
| Noninterest-bearing deposits | 4,223,000 | 4,737,000 | 4,607,000 | 4,914,000 |
| Equity capital | 3,693,000 | 3,740,000 | 3,724,000 | 3,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 228,000 | 447,000 | 653,000 | 844,000 |
| Interest expense | 46,000 | 84,000 | 116,000 | 145,000 |
| Net interest income | 182,000 | 363,000 | 537,000 | 699,000 |
| Noninterest income | 35,000 | 55,000 | 85,000 | 123,000 |
| Noninterest expense | 136,000 | 293,000 | 431,000 | 600,000 |
| Provision for loan losses | 0 | 0 | 26,000 | 32,000 |
| Pretax income | 94,000 | 141,000 | 181,000 | 206,000 |
| Income tax | 0 | 0 | 6,000 | 38,000 |
| Net income | 94,000 | 141,000 | 175,000 | 168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,693,000 | 3,740,000 | 3,724,000 | 3,667,000 |
| Total capital | 3,819,000 | 3,885,000 | — | — |
| Risk-weighted assets | 9,996,000 | 11,536,000 | — | — |