Call reports 2006
FIRST NATIONAL BANK IN OLNEY — 2006
What FIRST NATIONAL BANK IN OLNEY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 220,215,000 | 222,003,000 | 224,259,000 | 223,376,000 |
| Total loans | 119,042,000 | 121,715,000 | 127,809,000 | 128,365,000 |
| Allowance for loan losses | 1,233,000 | 1,273,000 | 1,275,000 | 1,264,000 |
| Securities available for sale | 82,783,000 | 83,609,000 | 78,522,000 | 71,637,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,474,000 | 194,935,000 | 200,546,000 | 200,396,000 |
| Interest-bearing deposits | 171,696,000 | 167,684,000 | 174,094,000 | 170,203,000 |
| Noninterest-bearing deposits | 25,778,000 | 27,252,000 | 26,452,000 | 30,193,000 |
| Equity capital | 21,055,000 | 20,865,000 | 21,849,000 | 21,072,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,834,000 | 5,839,000 | 8,988,000 | 12,160,000 |
| Interest expense | 1,162,000 | 2,499,000 | 3,961,000 | 5,431,000 |
| Net interest income | 1,672,000 | 3,340,000 | 5,027,000 | 6,729,000 |
| Noninterest income | 311,000 | 670,000 | 1,054,000 | 1,393,000 |
| Noninterest expense | 1,512,000 | 2,980,000 | 4,494,000 | 6,011,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 465,000 | 1,024,000 | 1,581,000 | 2,115,000 |
| Income tax | 110,000 | 251,000 | 393,000 | 531,000 |
| Net income | 355,000 | 773,000 | 1,188,000 | 1,584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,915,000 | 17,062,000 | 17,504,000 | 16,628,000 |
| Total capital | 18,148,000 | 18,335,000 | 18,779,000 | 17,892,000 |
| Risk-weighted assets | 127,264,000 | 129,361,000 | 134,003,000 | 134,011,000 |