Call reports 2021
FIRST NATIONAL BANK OF ORWELL — 2021
What FIRST NATIONAL BANK OF ORWELL reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 84,519,000 | 86,486,000 | 87,325,000 | 85,348,000 |
| Total loans | 60,096,000 | 60,001,000 | 61,636,000 | 61,035,000 |
| Allowance for loan losses | 819,000 | 814,000 | 815,000 | 815,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,886,000 | 78,577,000 | 79,194,000 | 77,071,000 |
| Interest-bearing deposits | 59,137,000 | 59,787,000 | 58,087,000 | 57,080,000 |
| Noninterest-bearing deposits | 17,749,000 | 18,790,000 | 21,107,000 | 19,991,000 |
| Equity capital | 7,495,000 | 7,646,000 | 7,909,000 | 7,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 812,000 | 1,642,000 | 2,486,000 | 3,351,000 |
| Interest expense | 141,000 | 259,000 | 351,000 | 423,000 |
| Net interest income | 671,000 | 1,383,000 | 2,135,000 | 2,928,000 |
| Noninterest income | 211,000 | 310,000 | 436,000 | 534,000 |
| Noninterest expense | 568,000 | 1,135,000 | 1,682,000 | 2,295,000 |
| Provision for loan losses | 0 | -41,000 | -41,000 | -41,000 |
| Pretax income | 314,000 | 599,000 | 930,000 | 1,207,000 |
| Income tax | 65,000 | 123,000 | 191,000 | 248,000 |
| Net income | 249,000 | 476,000 | 739,000 | 959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,495,000 | 7,646,000 | 7,910,000 | 7,880,000 |
| Total capital | 8,045,000 | 8,188,000 | — | — |
| Risk-weighted assets | 43,739,000 | 43,110,000 | — | — |