Call reports 2003
FIRST NATIONAL BANK OF OLNEY — 2003
What FIRST NATIONAL BANK OF OLNEY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 40,107,000 | 42,136,000 | 43,638,000 | 45,193,000 |
| Total loans | 33,998,000 | 29,008,000 | 29,408,000 | 33,104,000 |
| Allowance for loan losses | 297,000 | 295,000 | 295,000 | 294,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 16,000 | 16,000 | 16,000 | 16,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,476,000 | 37,931,000 | 39,313,000 | 40,695,000 |
| Interest-bearing deposits | 27,847,000 | 29,760,000 | 31,362,000 | 32,419,000 |
| Noninterest-bearing deposits | 7,629,000 | 8,171,000 | 7,951,000 | 8,276,000 |
| Equity capital | 4,570,000 | 4,136,000 | 4,235,000 | 4,446,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 609,000 | 1,136,000 | 1,632,000 | 2,138,000 |
| Interest expense | 124,000 | 242,000 | 356,000 | 466,000 |
| Net interest income | 485,000 | 894,000 | 1,276,000 | 1,672,000 |
| Noninterest income | 47,000 | 104,000 | 136,000 | 183,000 |
| Noninterest expense | 219,000 | 443,000 | 673,000 | 904,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 313,000 | 555,000 | 739,000 | 951,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 313,000 | 555,000 | 739,000 | 951,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,570,000 | 4,136,000 | 4,235,000 | 4,446,000 |
| Total capital | 4,867,000 | 4,431,000 | 4,530,000 | 4,740,000 |
| Risk-weighted assets | 35,513,000 | 30,851,000 | 31,449,000 | 34,840,000 |