Call reports 2005
FIRST NATIONAL BANK OF ORWELL — 2005
What FIRST NATIONAL BANK OF ORWELL reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 24,648,000 | 25,524,000 | 27,331,000 | 28,129,000 |
| Total loans | 22,397,000 | 23,131,000 | 24,444,000 | 23,840,000 |
| Allowance for loan losses | 296,000 | 283,000 | 221,000 | 222,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,544,000 | 21,374,000 | 23,232,000 | 23,993,000 |
| Interest-bearing deposits | 15,708,000 | 15,621,000 | 16,405,000 | 17,000,000 |
| Noninterest-bearing deposits | 5,836,000 | 5,753,000 | 6,827,000 | 6,993,000 |
| Equity capital | 2,707,000 | 2,716,000 | 2,744,000 | 2,714,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 382,000 | 755,000 | 1,152,000 | 1,551,000 |
| Interest expense | 43,000 | 96,000 | 160,000 | 241,000 |
| Net interest income | 339,000 | 659,000 | 992,000 | 1,310,000 |
| Noninterest income | 36,000 | 77,000 | 126,000 | 202,000 |
| Noninterest expense | 290,000 | 522,000 | 824,000 | 1,157,000 |
| Provision for loan losses | 6,000 | 6,000 | 48,000 | 46,000 |
| Pretax income | 79,000 | 208,000 | 246,000 | 309,000 |
| Income tax | 26,000 | 71,000 | 81,000 | 99,000 |
| Net income | 53,000 | 137,000 | 165,000 | 210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,707,000 | 2,716,000 | 2,744,000 | 2,714,000 |
| Total capital | 2,909,000 | 2,926,000 | 2,965,000 | 2,936,000 |
| Risk-weighted assets | 16,112,000 | 16,673,000 | 17,744,000 | 17,803,000 |
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