Call reports 2006
FIRST NATIONAL BANK OF OLNEY — 2006
What FIRST NATIONAL BANK OF OLNEY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 52,674,000 | 50,956,000 | 53,884,000 | 56,973,000 |
| Total loans | 44,967,000 | 47,868,000 | 50,627,000 | 54,414,000 |
| Allowance for loan losses | 254,000 | 254,000 | 254,000 | 258,000 |
| 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 | 47,083,000 | 45,511,000 | 47,901,000 | 51,383,000 |
| Interest-bearing deposits | 35,873,000 | 34,002,000 | 34,991,000 | 39,149,000 |
| Noninterest-bearing deposits | 11,210,000 | 11,509,000 | 12,910,000 | 12,234,000 |
| Equity capital | 5,502,000 | 5,341,000 | 5,852,000 | 4,936,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 864,000 | 1,724,000 | 2,654,000 | 3,696,000 |
| Interest expense | 258,000 | 538,000 | 844,000 | 1,199,000 |
| Net interest income | 606,000 | 1,186,000 | 1,810,000 | 2,497,000 |
| Noninterest income | 60,000 | 117,000 | 287,000 | 342,000 |
| Noninterest expense | 246,000 | 499,000 | 750,000 | 1,006,000 |
| Provision for loan losses | 11,000 | 11,000 | 43,000 | 43,000 |
| Pretax income | 409,000 | 793,000 | 1,304,000 | 1,790,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 409,000 | 793,000 | 1,304,000 | 1,790,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,502,000 | 5,341,000 | 5,852,000 | 4,936,000 |
| Total capital | 5,756,000 | 5,595,000 | 6,106,000 | 5,194,000 |
| Risk-weighted assets | 45,013,000 | 47,684,000 | 49,972,000 | 50,952,000 |