Call reports 2006
FIRST NATIONAL BANK OF ORWELL — 2006
What FIRST NATIONAL BANK OF ORWELL reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 27,024,000 | 27,741,000 | 30,334,000 | 29,471,000 |
| Total loans | 23,581,000 | 24,664,000 | 26,064,000 | 24,601,000 |
| Allowance for loan losses | 187,000 | 193,000 | 235,000 | 235,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,927,000 | 24,061,000 | 25,653,000 | 26,275,000 |
| Interest-bearing deposits | 16,757,000 | 16,871,000 | 18,691,000 | 18,992,000 |
| Noninterest-bearing deposits | 6,170,000 | 7,190,000 | 6,962,000 | 7,283,000 |
| Equity capital | 2,743,000 | 2,755,000 | 2,796,000 | 2,790,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 396,000 | 803,000 | 1,252,000 | 1,714,000 |
| Interest expense | 82,000 | 181,000 | 306,000 | 437,000 |
| Net interest income | 314,000 | 622,000 | 946,000 | 1,277,000 |
| Noninterest income | 61,000 | 133,000 | 216,000 | 280,000 |
| Noninterest expense | 331,000 | 636,000 | 961,000 | 1,310,000 |
| Provision for loan losses | 5,000 | 5,000 | 41,000 | 41,000 |
| Pretax income | 39,000 | 114,000 | 160,000 | 206,000 |
| Income tax | 10,000 | 35,000 | 40,000 | 54,000 |
| Net income | 29,000 | 79,000 | 120,000 | 151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,743,000 | 2,755,000 | 2,796,000 | 2,790,000 |
| Total capital | 2,930,000 | 2,948,000 | 3,031,000 | 3,025,000 |
| Risk-weighted assets | 17,576,000 | 18,644,000 | 20,701,000 | 19,657,000 |
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