Call reports 2014
FIRST NATIONAL BANK OF ORWELL — 2014
What FIRST NATIONAL BANK OF ORWELL reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 45,188,000 | 47,224,000 | 48,664,000 | 49,849,000 |
| Total loans | 40,800,000 | 42,948,000 | 45,304,000 | 46,264,000 |
| Allowance for loan losses | 419,000 | 449,000 | 494,000 | 504,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,108,000 | 42,046,000 | 42,433,000 | 42,067,000 |
| Interest-bearing deposits | 29,869,000 | 30,179,000 | 29,961,000 | 29,805,000 |
| Noninterest-bearing deposits | 11,239,000 | 11,867,000 | 12,472,000 | 12,262,000 |
| Equity capital | 4,002,000 | 4,038,000 | 4,086,000 | 4,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 515,000 | 1,049,000 | 1,620,000 | 2,216,000 |
| Interest expense | 40,000 | 76,000 | 113,000 | 151,000 |
| Net interest income | 475,000 | 973,000 | 1,507,000 | 2,065,000 |
| Noninterest income | 49,000 | 103,000 | 139,000 | 207,000 |
| Noninterest expense | 417,000 | 824,000 | 1,255,000 | 1,706,000 |
| Provision for loan losses | 0 | 34,000 | 105,000 | 115,000 |
| Pretax income | 107,000 | 218,000 | 286,000 | 451,000 |
| Income tax | 37,000 | 75,000 | 95,000 | 147,000 |
| Net income | 70,000 | 143,000 | 191,000 | 304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,002,000 | 4,038,000 | 4,086,000 | 4,161,000 |
| Total capital | 4,366,000 | 4,420,000 | 4,488,000 | 4,570,000 |
| Risk-weighted assets | 29,064,000 | 30,470,000 | 32,060,000 | 32,606,000 |
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