Call reports 2010
FIRST NATIONAL BANK OF ORWELL — 2010
What FIRST NATIONAL BANK OF ORWELL reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 39,981,000 | 40,717,000 | 41,707,000 | 40,312,000 |
| Total loans | 33,575,000 | 33,448,000 | 34,158,000 | 33,605,000 |
| Allowance for loan losses | 338,000 | 335,000 | 338,000 | 404,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,422,000 | 37,072,000 | 37,988,000 | 36,625,000 |
| Interest-bearing deposits | 28,483,000 | 28,877,000 | 28,871,000 | 28,703,000 |
| Noninterest-bearing deposits | 7,939,000 | 8,195,000 | 9,117,000 | 7,922,000 |
| Equity capital | 3,251,000 | 3,307,000 | 3,406,000 | 3,378,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 550,000 | 1,113,000 | 1,672,000 | 2,221,000 |
| Interest expense | 119,000 | 222,000 | 320,000 | 407,000 |
| Net interest income | 431,000 | 891,000 | 1,352,000 | 1,814,000 |
| Noninterest income | 55,000 | 107,000 | 169,000 | 228,000 |
| Noninterest expense | 401,000 | 781,000 | 1,165,000 | 1,585,000 |
| Provision for loan losses | 0 | 0 | 0 | 65,000 |
| Pretax income | 85,000 | 217,000 | 356,000 | 392,000 |
| Income tax | 25,000 | 64,000 | 104,000 | 130,000 |
| Net income | 60,000 | 153,000 | 252,000 | 262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,251,000 | 3,307,000 | 3,406,000 | 3,378,000 |
| Total capital | 3,555,000 | 3,618,000 | 3,722,000 | 3,682,000 |
| Risk-weighted assets | 24,343,000 | 24,901,000 | 25,243,000 | 24,244,000 |
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