Call reports 2020
FIRST NATIONAL BANK OF ORWELL — 2020
What FIRST NATIONAL BANK OF ORWELL reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 76,736,000 | 83,847,000 | 84,383,000 | 83,925,000 |
| Total loans | 62,954,000 | 62,504,000 | 60,639,000 | 59,599,000 |
| Allowance for loan losses | 830,000 | 834,000 | 836,000 | 818,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,761,000 | 76,617,000 | 77,005,000 | 76,496,000 |
| Interest-bearing deposits | 56,131,000 | 59,548,000 | 58,679,000 | 57,775,000 |
| Noninterest-bearing deposits | 13,630,000 | 17,069,000 | 18,326,000 | 18,721,000 |
| Equity capital | 6,856,000 | 7,000,000 | 7,180,000 | 7,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 903,000 | 1,748,000 | 2,616,000 | 3,464,000 |
| Interest expense | 230,000 | 454,000 | 650,000 | 816,000 |
| Net interest income | 673,000 | 1,294,000 | 1,966,000 | 2,648,000 |
| Noninterest income | 85,000 | 248,000 | 345,000 | 435,000 |
| Noninterest expense | 544,000 | 1,066,000 | 1,609,000 | 2,239,000 |
| Provision for loan losses | 52,000 | 52,000 | 52,000 | 34,000 |
| Pretax income | 162,000 | 422,000 | 648,000 | 809,000 |
| Income tax | 33,000 | 86,000 | 132,000 | 165,000 |
| Net income | 129,000 | 336,000 | 516,000 | 644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,856,000 | 7,000,000 | 7,180,000 | 7,246,000 |
| Total capital | — | — | — | 7,784,000 |
| Risk-weighted assets | — | — | — | 42,807,000 |