Call reports 2019
FIRST NATIONAL BANK OF ORWELL — 2019
What FIRST NATIONAL BANK OF ORWELL reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 72,230,000 | 74,286,000 | 75,372,000 | 72,917,000 |
| Total loans | 65,078,000 | 64,989,000 | 66,967,000 | 65,627,000 |
| Allowance for loan losses | 798,000 | 793,000 | 795,000 | 796,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,792,000 | 67,652,000 | 68,550,000 | 66,020,000 |
| Interest-bearing deposits | 51,503,000 | 54,479,000 | 54,386,000 | 53,851,000 |
| Noninterest-bearing deposits | 12,289,000 | 13,173,000 | 14,164,000 | 12,169,000 |
| Equity capital | 6,333,000 | 6,420,000 | 6,634,000 | 6,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 860,000 | 1,740,000 | 2,663,000 | 3,594,000 |
| Interest expense | 202,000 | 427,000 | 662,000 | 895,000 |
| Net interest income | 658,000 | 1,313,000 | 2,001,000 | 2,699,000 |
| Noninterest income | 66,000 | 136,000 | 213,000 | 280,000 |
| Noninterest expense | 499,000 | 1,012,000 | 1,508,000 | 2,077,000 |
| Provision for loan losses | 0 | 23,000 | 22,000 | 22,000 |
| Pretax income | 225,000 | 414,000 | 683,000 | 879,000 |
| Income tax | 46,000 | 85,000 | 140,000 | 181,000 |
| Net income | 179,000 | 329,000 | 543,000 | 698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,333,000 | 6,420,000 | 6,634,000 | 6,727,000 |
| Total capital | 6,900,000 | 6,989,000 | 7,222,000 | 7,304,000 |
| Risk-weighted assets | 45,112,000 | 45,304,000 | 46,807,000 | 45,987,000 |