Call reports 2009
FIRST NATIONAL BANK IN OLNEY — 2009
What FIRST NATIONAL BANK IN OLNEY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 253,516,000 | 256,078,000 | 266,376,000 | 274,083,000 |
| Total loans | 142,119,000 | 139,848,000 | 141,191,000 | 150,388,000 |
| Allowance for loan losses | 1,588,000 | 1,515,000 | 1,511,000 | 1,542,000 |
| Securities available for sale | 89,584,000 | 95,752,000 | 110,504,000 | 107,896,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,610,000 | 227,327,000 | 229,281,000 | 233,598,000 |
| Interest-bearing deposits | 191,750,000 | 196,422,000 | 200,214,000 | 196,887,000 |
| Noninterest-bearing deposits | 31,861,000 | 30,905,000 | 29,067,000 | 36,711,000 |
| Equity capital | 24,233,000 | 24,215,000 | 25,623,000 | 24,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,073,000 | 6,152,000 | 9,271,000 | 12,399,000 |
| Interest expense | 978,000 | 1,940,000 | 2,898,000 | 3,751,000 |
| Net interest income | 2,095,000 | 4,212,000 | 6,373,000 | 8,648,000 |
| Noninterest income | 301,000 | 609,000 | 963,000 | 1,225,000 |
| Noninterest expense | 1,440,000 | 3,166,000 | 4,747,000 | 6,268,000 |
| Provision for loan losses | 160,000 | 220,000 | 220,000 | 270,000 |
| Pretax income | 796,000 | 1,435,000 | 2,369,000 | 3,337,000 |
| Income tax | 230,000 | 402,000 | 686,000 | 980,000 |
| Net income | 566,000 | 1,033,000 | 1,683,000 | 2,357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,676,000 | 18,873,000 | 19,526,000 | 18,925,000 |
| Total capital | 20,264,000 | 20,388,000 | 21,037,000 | 20,467,000 |
| Risk-weighted assets | 148,280,000 | 146,427,000 | 148,352,000 | 154,247,000 |