Call reports 2015
FIRST NATIONAL BANK IN OLNEY — 2015
What FIRST NATIONAL BANK IN OLNEY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 309,645,000 | 309,356,000 | 318,005,000 | 321,599,000 |
| Total loans | 192,340,000 | 198,054,000 | 209,708,000 | 221,330,000 |
| Allowance for loan losses | 2,037,000 | 2,041,000 | 2,120,000 | 2,173,000 |
| Securities available for sale | 94,647,000 | 94,723,000 | 92,290,000 | 82,168,000 |
| Securities held to maturity | 1,710,000 | 1,710,000 | 1,710,000 | 1,490,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,831,000 | 268,891,000 | 274,667,000 | 281,428,000 |
| Interest-bearing deposits | 217,166,000 | 215,632,000 | 222,621,000 | 225,484,000 |
| Noninterest-bearing deposits | 53,665,000 | 53,260,000 | 52,046,000 | 55,943,000 |
| Equity capital | 33,726,000 | 33,768,000 | 34,997,000 | 34,836,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,596,000 | 5,276,000 | 8,082,000 | 10,922,000 |
| Interest expense | 249,000 | 502,000 | 766,000 | 1,040,000 |
| Net interest income | 2,347,000 | 4,774,000 | 7,316,000 | 9,882,000 |
| Noninterest income | 337,000 | 706,000 | 1,069,000 | 1,409,000 |
| Noninterest expense | 1,641,000 | 3,264,000 | 4,967,000 | 6,710,000 |
| Provision for loan losses | 0 | 0 | 75,000 | 150,000 |
| Pretax income | 1,094,000 | 2,265,000 | 3,468,000 | 4,648,000 |
| Income tax | 355,000 | 719,000 | 1,099,000 | 1,474,000 |
| Net income | 739,000 | 1,546,000 | 2,369,000 | 3,174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,586,000 | 30,162,000 | 30,988,000 | 30,876,000 |
| Total capital | 31,623,000 | 32,203,000 | 33,108,000 | 33,049,000 |
| Risk-weighted assets | 195,620,000 | 201,212,000 | 212,314,000 | 221,508,000 |