Call reports 2022
FIRST NATIONAL BANK OF ORWELL — 2022
What FIRST NATIONAL BANK OF ORWELL reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 83,998,000 | 86,239,000 | 87,700,000 | 84,636,000 |
| Total loans | 61,955,000 | 62,135,000 | 62,691,000 | 63,400,000 |
| Allowance for loan losses | 827,000 | 827,000 | 827,000 | 827,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,709,000 | 77,591,000 | 78,966,000 | 75,635,000 |
| Interest-bearing deposits | 55,896,000 | 57,139,000 | 54,945,000 | 54,055,000 |
| Noninterest-bearing deposits | 19,813,000 | 20,452,000 | 24,022,000 | 21,580,000 |
| Equity capital | 8,131,000 | 8,210,000 | 8,505,000 | 8,605,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 828,000 | 1,712,000 | 2,666,000 | 3,728,000 |
| Interest expense | 54,000 | 99,000 | 138,000 | 177,000 |
| Net interest income | 774,000 | 1,613,000 | 2,528,000 | 3,551,000 |
| Noninterest income | 77,000 | 180,000 | 269,000 | 328,000 |
| Noninterest expense | 525,000 | 1,050,000 | 1,602,000 | 2,242,000 |
| Provision for loan losses | 10,000 | 10,000 | 90,000 | 90,000 |
| Pretax income | 316,000 | 731,000 | 1,103,000 | 1,545,000 |
| Income tax | 65,000 | 151,000 | 228,000 | 320,000 |
| Net income | 251,000 | 580,000 | 875,000 | 1,225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,131,000 | 8,210,000 | 8,505,000 | 8,606,000 |
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