Call reports 2002
FIRST NATIONAL BANK IN OLNEY — 2002
What FIRST NATIONAL BANK IN OLNEY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 174,556,000 | 175,099,000 | 244,783,000 | 235,179,000 |
| Total loans | 94,879,000 | 95,331,000 | 138,651,000 | 137,019,000 |
| Allowance for loan losses | 890,000 | 1,003,000 | 1,386,000 | 1,381,000 |
| Securities available for sale | 67,831,000 | 62,964,000 | 81,059,000 | 76,257,000 |
| Securities held to maturity | 1,265,000 | 1,264,000 | 1,263,000 | 1,262,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,009,000 | 151,256,000 | 216,468,000 | 206,638,000 |
| Interest-bearing deposits | 133,457,000 | 133,062,000 | 195,773,000 | 185,048,000 |
| Noninterest-bearing deposits | 17,552,000 | 18,193,000 | 20,695,000 | 21,591,000 |
| Equity capital | 20,834,000 | 21,337,000 | 21,797,000 | 21,756,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,480,000 | 4,988,000 | 8,191,000 | 11,444,000 |
| Interest expense | 940,000 | 1,843,000 | 3,192,000 | 4,460,000 |
| Net interest income | 1,540,000 | 3,145,000 | 4,999,000 | 6,984,000 |
| Noninterest income | 198,000 | 388,000 | 748,000 | 1,119,000 |
| Noninterest expense | 1,075,000 | 2,200,000 | 3,736,000 | 5,226,000 |
| Provision for loan losses | 150,000 | 300,000 | 1,077,000 | 1,257,000 |
| Pretax income | 513,000 | 1,039,000 | 1,232,000 | 1,918,000 |
| Income tax | 133,000 | 282,000 | 297,000 | 492,000 |
| Net income | 380,000 | 757,000 | 935,000 | 1,426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,190,000 | 19,998,000 | 15,348,000 | 15,366,000 |
| Total capital | 21,080,000 | 21,001,000 | 16,734,000 | 16,747,000 |
| Risk-weighted assets | 100,214,000 | 104,545,000 | 147,634,000 | 140,334,000 |