Call reports 2017
FIRST NATIONAL BANK OF ORWELL — 2017
What FIRST NATIONAL BANK OF ORWELL reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 64,431,000 | 66,038,000 | 67,292,000 | 67,725,000 |
| Total loans | 59,780,000 | 60,368,000 | 62,293,000 | 62,985,000 |
| Allowance for loan losses | 705,000 | 705,000 | 706,000 | 801,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,451,000 | 58,160,000 | 57,998,000 | 58,081,000 |
| Interest-bearing deposits | 42,824,000 | 43,881,000 | 42,823,000 | 43,254,000 |
| Noninterest-bearing deposits | 13,627,000 | 14,279,000 | 15,175,000 | 14,827,000 |
| Equity capital | 5,145,000 | 5,203,000 | 5,397,000 | 5,513,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 744,000 | 1,490,000 | 2,260,000 | 3,093,000 |
| Interest expense | 83,000 | 168,000 | 260,000 | 353,000 |
| Net interest income | 661,000 | 1,322,000 | 2,000,000 | 2,740,000 |
| Noninterest income | 73,000 | 152,000 | 218,000 | 287,000 |
| Noninterest expense | 505,000 | 983,000 | 1,438,000 | 1,943,000 |
| Provision for loan losses | 0 | 90,000 | 90,000 | 90,000 |
| Pretax income | 229,000 | 401,000 | 690,000 | 994,000 |
| Income tax | 57,000 | 133,000 | 228,000 | 379,000 |
| Net income | 172,000 | 268,000 | 462,000 | 615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,145,000 | 5,203,000 | 5,397,000 | 5,513,000 |
| Total capital | 5,669,000 | 5,736,000 | 5,949,000 | 6,078,000 |
| Risk-weighted assets | 41,725,000 | 42,442,000 | 44,022,000 | 44,936,000 |