Call reports 2025
FIRST NATIONAL BANK OF ORWELL — 2025
What FIRST NATIONAL BANK OF ORWELL reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 88,000,000 | 87,770,000 | 90,180,000 | 87,627,000 |
| Total loans | 71,713,000 | 73,100,000 | 72,361,000 | 73,551,000 |
| Allowance for loan losses | 926,000 | 950,000 | 1,005,000 | 979,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,788,000 | 77,256,000 | 79,644,000 | 76,909,000 |
| Interest-bearing deposits | 57,535,000 | 58,283,000 | 58,755,000 | 57,588,000 |
| Noninterest-bearing deposits | 20,253,000 | 18,973,000 | 20,889,000 | 19,321,000 |
| Equity capital | 10,007,000 | 9,949,000 | 10,282,000 | 10,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,379,000 | 2,796,000 | 4,249,000 | 5,747,000 |
| Interest expense | 458,000 | 911,000 | 1,359,000 | 1,794,000 |
| Net interest income | 921,000 | 1,885,000 | 2,890,000 | 3,953,000 |
| Noninterest income | 53,000 | 109,000 | 163,000 | 225,000 |
| Noninterest expense | 604,000 | 1,201,000 | 1,789,000 | 2,470,000 |
| Provision for loan losses | 13,000 | 38,000 | 91,000 | 222,000 |
| Pretax income | 357,000 | 755,000 | 1,173,000 | 1,486,000 |
| Income tax | 74,000 | 155,000 | 240,000 | 305,000 |
| Net income | 283,000 | 600,000 | 933,000 | 1,181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,007,000 | 9,949,000 | 10,282,000 | 10,154,000 |