Call reports 2025
FIRST NATIONAL BANK IN OLNEY — 2025
What FIRST NATIONAL BANK IN OLNEY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 465,087,000 | 458,217,000 | 450,119,000 | 455,000,000 |
| Total loans | 250,564,000 | 253,494,000 | 252,918,000 | 248,292,000 |
| Allowance for loan losses | 2,963,000 | 3,332,000 | 3,483,000 | 3,504,000 |
| Securities available for sale | 154,159,000 | 150,052,000 | 145,185,000 | 148,954,000 |
| Securities held to maturity | 7,320,000 | 11,240,000 | 11,740,000 | 10,965,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 415,578,000 | 407,585,000 | 397,310,000 | 404,252,000 |
| Interest-bearing deposits | 332,261,000 | 323,632,000 | 323,358,000 | 322,491,000 |
| Noninterest-bearing deposits | 83,317,000 | 83,953,000 | 73,952,000 | 81,761,000 |
| Equity capital | 44,216,000 | 45,376,000 | 47,510,000 | 47,801,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,461,000 | 11,077,000 | 16,710,000 | 22,374,000 |
| Interest expense | 2,032,000 | 4,041,000 | 6,063,000 | 7,994,000 |
| Net interest income | 3,429,000 | 7,036,000 | 10,647,000 | 14,380,000 |
| Noninterest income | 465,000 | 1,019,000 | 1,593,000 | 2,055,000 |
| Noninterest expense | 2,464,000 | 4,979,000 | 7,429,000 | 9,977,000 |
| Provision for loan losses | 150,000 | 525,000 | 1,047,000 | 997,000 |
| Pretax income | 1,280,000 | 2,551,000 | 3,759,000 | 5,452,000 |
| Income tax | 340,000 | 670,000 | 980,000 | 1,448,000 |
| Net income | 940,000 | 1,881,000 | 2,779,000 | 4,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,290,000 | 49,720,000 | 50,617,000 | 50,358,000 |