Call reports 2018
FIRST NATIONAL BANK OF ORWELL — 2018
What FIRST NATIONAL BANK OF ORWELL reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 67,714,000 | 69,261,000 | 71,770,000 | 71,852,000 |
| Total loans | 62,171,000 | 64,336,000 | 65,027,000 | 64,732,000 |
| Allowance for loan losses | 797,000 | 797,000 | 797,000 | 797,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,816,000 | 57,221,000 | 61,047,000 | 62,554,000 |
| Interest-bearing deposits | 43,759,000 | 43,904,000 | 45,923,000 | 49,346,000 |
| Noninterest-bearing deposits | 13,057,000 | 13,317,000 | 15,124,000 | 13,208,000 |
| Equity capital | 5,701,000 | 5,877,000 | 6,058,000 | 6,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 773,000 | 1,582,000 | 2,418,000 | 3,284,000 |
| Interest expense | 105,000 | 227,000 | 376,000 | 555,000 |
| Net interest income | 668,000 | 1,355,000 | 2,042,000 | 2,729,000 |
| Noninterest income | 62,000 | 123,000 | 188,000 | 270,000 |
| Noninterest expense | 493,000 | 973,000 | 1,498,000 | 2,066,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 237,000 | 505,000 | 732,000 | 933,000 |
| Income tax | 49,000 | 104,000 | 150,000 | 192,000 |
| Net income | 188,000 | 401,000 | 582,000 | 741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,701,000 | 5,877,000 | 6,058,000 | 6,154,000 |
| Total capital | 6,250,000 | 6,446,000 | 6,632,000 | 6,721,000 |
| Risk-weighted assets | 43,688,000 | 45,348,000 | 45,717,000 | 45,152,000 |