Call reports 2014
FIRST NATIONAL BANK IN OLNEY — 2014
What FIRST NATIONAL BANK IN OLNEY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 310,454,000 | 308,857,000 | 304,872,000 | 306,517,000 |
| Total loans | 176,615,000 | 184,781,000 | 191,419,000 | 197,653,000 |
| Allowance for loan losses | 1,768,000 | 1,799,000 | 1,861,000 | 1,950,000 |
| Securities available for sale | 108,348,000 | 105,437,000 | 95,960,000 | 91,632,000 |
| Securities held to maturity | 1,710,000 | 1,710,000 | 1,710,000 | 1,710,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,085,000 | 269,146,000 | 263,887,000 | 265,697,000 |
| Interest-bearing deposits | 224,303,000 | 217,978,000 | 217,712,000 | 212,252,000 |
| Noninterest-bearing deposits | 50,782,000 | 51,169,000 | 46,175,000 | 53,445,000 |
| Equity capital | 30,975,000 | 31,938,000 | 32,622,000 | 32,453,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,641,000 | 5,290,000 | 7,917,000 | 10,572,000 |
| Interest expense | 281,000 | 557,000 | 821,000 | 1,090,000 |
| Net interest income | 2,360,000 | 4,733,000 | 7,096,000 | 9,482,000 |
| Noninterest income | 397,000 | 763,000 | 1,155,000 | 1,541,000 |
| Noninterest expense | 1,629,000 | 3,216,000 | 4,904,000 | 6,679,000 |
| Provision for loan losses | 0 | 75,000 | 150,000 | 250,000 |
| Pretax income | 1,209,000 | 2,343,000 | 3,362,000 | 4,460,000 |
| Income tax | 412,000 | 775,000 | 1,095,000 | 1,453,000 |
| Net income | 797,000 | 1,568,000 | 2,267,000 | 3,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,243,000 | 26,783,000 | 27,482,000 | 27,306,000 |
| Total capital | 28,011,000 | 28,582,000 | 29,343,000 | 29,256,000 |
| Risk-weighted assets | 180,008,000 | 185,921,000 | 191,480,000 | 195,238,000 |