Call reports 2012
FIRST NATIONAL BANK OF ORWELL — 2012
What FIRST NATIONAL BANK OF ORWELL reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 41,208,000 | 41,810,000 | 43,328,000 | 45,156,000 |
| Total loans | 36,194,000 | 37,206,000 | 37,306,000 | 36,023,000 |
| Allowance for loan losses | 420,000 | 420,000 | 421,000 | 417,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,318,000 | 37,911,000 | 39,392,000 | 41,191,000 |
| Interest-bearing deposits | 28,174,000 | 28,249,000 | 29,367,000 | 30,382,000 |
| Noninterest-bearing deposits | 9,144,000 | 9,662,000 | 10,025,000 | 10,809,000 |
| Equity capital | 3,683,000 | 3,696,000 | 3,776,000 | 3,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 525,000 | 1,055,000 | 1,583,000 | 2,089,000 |
| Interest expense | 57,000 | 114,000 | 172,000 | 230,000 |
| Net interest income | 468,000 | 941,000 | 1,411,000 | 1,859,000 |
| Noninterest income | 59,000 | 107,000 | 167,000 | 218,000 |
| Noninterest expense | 426,000 | 835,000 | 1,247,000 | 1,663,000 |
| Provision for loan losses | 24,000 | 64,000 | 64,000 | 64,000 |
| Pretax income | 77,000 | 149,000 | 267,000 | 350,000 |
| Income tax | 24,000 | 45,000 | 83,000 | 105,000 |
| Net income | 53,000 | 104,000 | 184,000 | 245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,683,000 | 3,696,000 | 3,776,000 | 3,799,000 |
| Total capital | 4,006,000 | 4,029,000 | 4,111,000 | 4,120,000 |
| Risk-weighted assets | 25,740,000 | 26,557,000 | 26,739,000 | 25,586,000 |