Call reports 2015
FIRST NATIONAL BANK OF ORWELL — 2015
What FIRST NATIONAL BANK OF ORWELL reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 51,305,000 | 52,975,000 | 56,097,000 | 57,148,000 |
| Total loans | 47,620,000 | 49,409,000 | 52,391,000 | 53,841,000 |
| Allowance for loan losses | 530,000 | 542,000 | 580,000 | 598,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,508,000 | 44,028,000 | 46,518,000 | 46,981,000 |
| Interest-bearing deposits | 31,238,000 | 32,502,000 | 33,309,000 | 33,629,000 |
| Noninterest-bearing deposits | 11,270,000 | 11,526,000 | 13,209,000 | 13,352,000 |
| Equity capital | 4,223,000 | 4,305,000 | 4,444,000 | 4,544,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 589,000 | 1,201,000 | 1,866,000 | 2,541,000 |
| Interest expense | 41,000 | 87,000 | 138,000 | 191,000 |
| Net interest income | 548,000 | 1,114,000 | 1,728,000 | 2,350,000 |
| Noninterest income | 66,000 | 136,000 | 201,000 | 277,000 |
| Noninterest expense | 463,000 | 902,000 | 1,346,000 | 1,819,000 |
| Provision for loan losses | 57,000 | 67,000 | 102,000 | 122,000 |
| Pretax income | 94,000 | 281,000 | 481,000 | 686,000 |
| Income tax | 32,000 | 100,000 | 161,000 | 228,000 |
| Net income | 62,000 | 181,000 | 320,000 | 458,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,223,000 | 4,305,000 | 4,444,000 | 4,544,000 |
| Total capital | 4,656,000 | 4,753,000 | 4,917,000 | 5,033,000 |
| Risk-weighted assets | 34,589,000 | 35,703,000 | 37,731,000 | 39,040,000 |