Call reports 2003
FIRST NATIONAL BANK IN OLNEY — 2003
What FIRST NATIONAL BANK IN OLNEY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 223,425,000 | 224,560,000 | 229,900,000 | 209,258,000 |
| Total loans | 130,929,000 | 127,185,000 | 127,941,000 | 116,720,000 |
| Allowance for loan losses | 1,630,000 | 1,560,000 | 1,501,000 | 1,491,000 |
| Securities available for sale | 72,738,000 | 70,954,000 | 77,781,000 | 74,553,000 |
| Securities held to maturity | 1,261,000 | 1,259,000 | 1,258,000 | 1,257,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,311,000 | 197,792,000 | 203,972,000 | 184,589,000 |
| Interest-bearing deposits | 176,267,000 | 176,070,000 | 181,187,000 | 161,806,000 |
| Noninterest-bearing deposits | 21,043,000 | 21,723,000 | 22,786,000 | 22,784,000 |
| Equity capital | 21,992,000 | 22,254,000 | 22,655,000 | 21,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,045,000 | 5,871,000 | 8,721,000 | 11,395,000 |
| Interest expense | 1,052,000 | 1,970,000 | 2,747,000 | 3,442,000 |
| Net interest income | 1,993,000 | 3,901,000 | 5,974,000 | 7,953,000 |
| Noninterest income | 255,000 | 610,000 | 1,025,000 | 1,704,000 |
| Noninterest expense | 1,452,000 | 2,985,000 | 4,506,000 | 6,155,000 |
| Provision for loan losses | 368,000 | 569,000 | 671,000 | 773,000 |
| Pretax income | 428,000 | 957,000 | 1,871,000 | 2,777,000 |
| Income tax | 107,000 | 247,000 | 528,000 | 942,000 |
| Net income | 321,000 | 710,000 | 1,343,000 | 1,835,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,604,000 | 15,727,000 | 16,392,000 | 16,210,000 |
| Total capital | 17,234,000 | 17,287,000 | 17,893,000 | 17,701,000 |
| Risk-weighted assets | 134,640,000 | 132,781,000 | 134,886,000 | 122,391,000 |