Call reports 2008
FIRST NATIONAL BANK OF ORWELL — 2008
What FIRST NATIONAL BANK OF ORWELL reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 33,550,000 | 34,162,000 | 34,945,000 | 35,634,000 |
| Total loans | 27,793,000 | 29,775,000 | 32,128,000 | 31,576,000 |
| Allowance for loan losses | 270,000 | 298,000 | 322,000 | 331,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,265,000 | 30,777,000 | 31,490,000 | 32,103,000 |
| Interest-bearing deposits | 22,358,000 | 22,188,000 | 22,604,000 | 24,070,000 |
| Noninterest-bearing deposits | 7,907,000 | 8,589,000 | 8,886,000 | 8,033,000 |
| Equity capital | 2,911,000 | 2,953,000 | 3,030,000 | 3,044,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 536,000 | 1,109,000 | 1,692,000 | 2,282,000 |
| Interest expense | 178,000 | 346,000 | 506,000 | 664,000 |
| Net interest income | 358,000 | 763,000 | 1,186,000 | 1,618,000 |
| Noninterest income | 52,000 | 105,000 | 181,000 | 245,000 |
| Noninterest expense | 359,000 | 704,000 | 1,068,000 | 1,475,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 30,000 |
| Pretax income | 51,000 | 164,000 | 269,000 | 358,000 |
| Income tax | 13,000 | 46,000 | 74,000 | 112,000 |
| Net income | 38,000 | 118,000 | 195,000 | 246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,911,000 | 2,953,000 | 3,030,000 | 3,044,000 |
| Total capital | 3,181,000 | 3,242,000 | 3,338,000 | 3,346,000 |
| Risk-weighted assets | 21,980,000 | 23,180,000 | 24,660,000 | 24,146,000 |
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