Call reports 2005
FIRST NATIONAL BANK OF OLNEY — 2005
What FIRST NATIONAL BANK OF OLNEY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 41,561,000 | 43,691,000 | 48,889,000 | 51,741,000 |
| Total loans | 37,519,000 | 38,431,000 | 44,235,000 | 46,528,000 |
| Allowance for loan losses | 288,000 | 230,000 | 255,000 | 255,000 |
| 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 | 34,838,000 | 38,864,000 | 43,801,000 | 46,568,000 |
| Interest-bearing deposits | 26,790,000 | 28,430,000 | 34,588,000 | 36,806,000 |
| Noninterest-bearing deposits | 8,048,000 | 10,434,000 | 9,213,000 | 9,762,000 |
| Equity capital | 5,236,000 | 4,351,000 | 4,694,000 | 5,093,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 605,000 | 1,223,000 | 1,935,000 | 2,762,000 |
| Interest expense | 104,000 | 224,000 | 388,000 | 620,000 |
| Net interest income | 501,000 | 999,000 | 1,547,000 | 2,142,000 |
| Noninterest income | 68,000 | 126,000 | 191,000 | 247,000 |
| Noninterest expense | 232,000 | 477,000 | 723,000 | 975,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 25,000 |
| Pretax income | 337,000 | 648,000 | 990,000 | 1,389,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 337,000 | 648,000 | 990,000 | 1,389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,236,000 | 4,351,000 | 4,694,000 | 5,093,000 |
| Total capital | 5,524,000 | 4,581,000 | 4,949,000 | 5,348,000 |
| Risk-weighted assets | 38,675,000 | 38,284,000 | 43,120,000 | 46,060,000 |