Call reports 2008
FIRST NATIONAL BANK IN OLNEY — 2008
What FIRST NATIONAL BANK IN OLNEY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 230,720,000 | 237,027,000 | 245,148,000 | 244,582,000 |
| Total loans | 134,158,000 | 136,249,000 | 144,770,000 | 148,676,000 |
| Allowance for loan losses | 1,279,000 | 1,260,000 | 1,417,000 | 1,504,000 |
| Securities available for sale | 78,303,000 | 82,771,000 | 81,516,000 | 77,594,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,123,000 | 206,232,000 | 205,164,000 | 213,386,000 |
| Interest-bearing deposits | 173,121,000 | 172,055,000 | 174,845,000 | 178,443,000 |
| Noninterest-bearing deposits | 29,002,000 | 34,178,000 | 30,319,000 | 34,943,000 |
| Equity capital | 23,490,000 | 22,887,000 | 23,645,000 | 23,699,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,367,000 | 6,646,000 | 9,922,000 | 13,170,000 |
| Interest expense | 1,191,000 | 2,203,000 | 3,242,000 | 4,243,000 |
| Net interest income | 2,176,000 | 4,443,000 | 6,680,000 | 8,927,000 |
| Noninterest income | 281,000 | 543,000 | 849,000 | 1,134,000 |
| Noninterest expense | 1,497,000 | 2,936,000 | 4,434,000 | 5,935,000 |
| Provision for loan losses | 100,000 | 150,000 | 325,000 | 660,000 |
| Pretax income | 863,000 | 1,904,000 | 2,774,000 | 3,500,000 |
| Income tax | 262,000 | 591,000 | 847,000 | 1,045,000 |
| Net income | 601,000 | 1,313,000 | 1,927,000 | 2,455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,761,000 | 18,200,000 | 18,834,000 | 18,094,000 |
| Total capital | 19,040,000 | 19,460,000 | 20,251,000 | 19,598,000 |
| Risk-weighted assets | 139,172,000 | 140,990,000 | 148,061,000 | 150,775,000 |