Call reports 2005
FIRST NATIONAL BANK IN OLNEY — 2005
What FIRST NATIONAL BANK IN OLNEY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 215,649,000 | 216,358,000 | 215,387,000 | 217,003,000 |
| Total loans | 110,751,000 | 114,032,000 | 116,919,000 | 119,320,000 |
| Allowance for loan losses | 1,251,000 | 1,232,000 | 1,236,000 | 1,249,000 |
| Securities available for sale | 83,881,000 | 84,175,000 | 80,357,000 | 79,152,000 |
| Securities held to maturity | 954,000 | 954,000 | 953,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,297,000 | 186,953,000 | 191,120,000 | 191,737,000 |
| Interest-bearing deposits | 164,672,000 | 161,042,000 | 165,975,000 | 163,460,000 |
| Noninterest-bearing deposits | 27,625,000 | 25,911,000 | 25,145,000 | 28,276,000 |
| Equity capital | 21,027,000 | 21,689,000 | 21,896,000 | 20,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,440,000 | 5,039,000 | 7,741,000 | 10,558,000 |
| Interest expense | 659,000 | 1,458,000 | 2,423,000 | 3,470,000 |
| Net interest income | 1,781,000 | 3,581,000 | 5,318,000 | 7,088,000 |
| Noninterest income | 292,000 | 675,000 | 1,050,000 | 1,311,000 |
| Noninterest expense | 1,666,000 | 3,211,000 | 4,765,000 | 6,300,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 407,000 | 1,050,000 | 1,608,000 | 2,170,000 |
| Income tax | 124,000 | 332,000 | 493,000 | 638,000 |
| Net income | 283,000 | 718,000 | 1,115,000 | 1,532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,722,000 | 16,889,000 | 17,308,000 | 16,540,000 |
| Total capital | 17,973,000 | 18,121,000 | 18,544,000 | 17,789,000 |
| Risk-weighted assets | 121,648,000 | 123,801,000 | 125,632,000 | 125,983,000 |