Call reports 2023
BANK OF ORCHARD — 2023
What BANK OF ORCHARD reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 32,221,000 | 33,618,000 | 33,669,000 | 32,256,000 |
| Total loans | 6,808,000 | 6,872,000 | 8,967,000 | 8,900,000 |
| Allowance for loan losses | 205,000 | 205,000 | 205,000 | 206,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 16,994,000 | 16,722,000 | 16,484,000 | 16,071,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,064,000 | 29,350,000 | 29,328,000 | 27,965,000 |
| Interest-bearing deposits | 20,438,000 | 22,438,000 | 22,603,000 | 20,067,000 |
| Noninterest-bearing deposits | 7,626,000 | 6,912,000 | 6,725,000 | 7,898,000 |
| Equity capital | 4,079,000 | 4,179,000 | 4,240,000 | 4,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 269,000 | 577,000 | 901,000 | 1,243,000 |
| Interest expense | 62,000 | 145,000 | 239,000 | 341,000 |
| Net interest income | 207,000 | 432,000 | 662,000 | 902,000 |
| Noninterest income | 28,000 | 58,000 | 92,000 | 121,000 |
| Noninterest expense | 143,000 | 293,000 | 438,000 | 660,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 92,000 | 197,000 | 315,000 | 362,000 |
| Income tax | 0 | 5,000 | 12,000 | 18,000 |
| Net income | 92,000 | 192,000 | 303,000 | 344,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,079,000 | 4,179,000 | 4,240,000 | 4,181,000 |