Call reports 2016
FIRST NATIONAL BANK OF ORWELL — 2016
What FIRST NATIONAL BANK OF ORWELL reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 57,782,000 | 58,740,000 | 64,289,000 | 64,411,000 |
| Total loans | 53,746,000 | 55,787,000 | 60,155,000 | 60,709,000 |
| Allowance for loan losses | 598,000 | 615,000 | 676,000 | 696,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,523,000 | 49,800,000 | 53,720,000 | 54,306,000 |
| Interest-bearing deposits | 37,333,000 | 37,783,000 | 40,307,000 | 40,723,000 |
| Noninterest-bearing deposits | 12,190,000 | 12,017,000 | 13,413,000 | 13,583,000 |
| Equity capital | 4,682,000 | 4,789,000 | 4,924,000 | 4,973,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 674,000 | 1,366,000 | 2,096,000 | 2,850,000 |
| Interest expense | 62,000 | 128,000 | 201,000 | 281,000 |
| Net interest income | 612,000 | 1,238,000 | 1,895,000 | 2,569,000 |
| Noninterest income | 67,000 | 130,000 | 216,000 | 288,000 |
| Noninterest expense | 462,000 | 918,000 | 1,399,000 | 1,936,000 |
| Provision for loan losses | 10,000 | 25,000 | 85,000 | 170,000 |
| Pretax income | 207,000 | 425,000 | 627,000 | 751,000 |
| Income tax | 69,000 | 142,000 | 209,000 | 247,000 |
| Net income | 138,000 | 283,000 | 418,000 | 504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,682,000 | 4,789,000 | 4,924,000 | 4,973,000 |
| Total capital | 5,155,000 | 5,278,000 | 5,451,000 | 5,501,000 |
| Risk-weighted assets | 37,723,000 | 38,965,000 | 41,985,000 | 42,048,000 |