Call reports 2004
FIRST NATIONAL BANK OF OLNEY — 2004
What FIRST NATIONAL BANK OF OLNEY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 42,103,000 | 41,324,000 | 43,342,000 | 43,959,000 |
| Total loans | 32,585,000 | 32,308,000 | 37,856,000 | 39,655,000 |
| Allowance for loan losses | 296,000 | 296,000 | 292,000 | 292,000 |
| 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 | 37,374,000 | 36,840,000 | 38,582,000 | 35,916,000 |
| Interest-bearing deposits | 29,070,000 | 27,551,000 | 29,049,000 | 27,481,000 |
| Noninterest-bearing deposits | 8,304,000 | 9,289,000 | 9,533,000 | 8,435,000 |
| Equity capital | 4,673,000 | 4,418,000 | 4,679,000 | 4,988,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 516,000 | 1,014,000 | 1,539,000 | 2,119,000 |
| Interest expense | 102,000 | 199,000 | 298,000 | 402,000 |
| Net interest income | 414,000 | 815,000 | 1,241,000 | 1,717,000 |
| Noninterest income | 53,000 | 120,000 | 184,000 | 255,000 |
| Noninterest expense | 240,000 | 470,000 | 699,000 | 936,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 227,000 | 465,000 | 726,000 | 1,036,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 227,000 | 465,000 | 726,000 | 1,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,673,000 | 4,418,000 | 4,679,000 | 4,988,000 |
| Total capital | 4,969,000 | 4,714,000 | 4,971,000 | 5,280,000 |
| Risk-weighted assets | 34,131,000 | 34,429,000 | 40,146,000 | 40,099,000 |
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