Call reports 2004
FIRST NATIONAL BANK IN OLNEY — 2004
What FIRST NATIONAL BANK IN OLNEY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 208,814,000 | 209,074,000 | 213,794,000 | 211,556,000 |
| Total loans | 111,861,000 | 114,444,000 | 116,749,000 | 116,447,000 |
| Allowance for loan losses | 1,458,000 | 1,461,000 | 1,448,000 | 1,263,000 |
| Securities available for sale | 73,503,000 | 76,555,000 | 73,467,000 | 69,535,000 |
| Securities held to maturity | 1,256,000 | 955,000 | 955,000 | 955,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,051,000 | 179,915,000 | 188,066,000 | 187,426,000 |
| Interest-bearing deposits | 159,570,000 | 155,343,000 | 159,642,000 | 159,360,000 |
| Noninterest-bearing deposits | 23,482,000 | 24,572,000 | 28,424,000 | 28,066,000 |
| Equity capital | 22,583,000 | 21,418,000 | 22,430,000 | 21,548,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,416,000 | 4,880,000 | 7,341,000 | 9,808,000 |
| Interest expense | 618,000 | 1,197,000 | 1,789,000 | 2,390,000 |
| Net interest income | 1,798,000 | 3,683,000 | 5,552,000 | 7,418,000 |
| Noninterest income | 310,000 | 552,000 | 878,000 | 1,226,000 |
| Noninterest expense | 1,489,000 | 2,967,000 | 4,472,000 | 6,028,000 |
| Provision for loan losses | 0 | 60,000 | 60,000 | -110,000 |
| Pretax income | 793,000 | 1,382,000 | 2,072,000 | 2,900,000 |
| Income tax | 277,000 | 464,000 | 701,000 | 977,000 |
| Net income | 516,000 | 918,000 | 1,371,000 | 1,923,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,530,000 | 16,666,000 | 17,138,000 | 16,419,000 |
| Total capital | 17,988,000 | 18,127,000 | 18,586,000 | 17,682,000 |
| Risk-weighted assets | 119,846,000 | 122,779,000 | 124,408,000 | 124,219,000 |