Call reports 2008
FIRST NATIONAL BANK OF OLNEY — 2008
What FIRST NATIONAL BANK OF OLNEY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 49,977,000 | 52,204,000 | 52,230,000 | 56,178,000 |
| Total loans | 47,060,000 | 43,371,000 | 49,250,000 | 54,367,000 |
| Allowance for loan losses | 258,000 | 258,000 | 258,000 | 530,000 |
| 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 | 44,456,000 | 46,892,000 | 46,871,000 | 50,706,000 |
| Interest-bearing deposits | 32,518,000 | 31,771,000 | 35,053,000 | 38,551,000 |
| Noninterest-bearing deposits | 11,938,000 | 15,121,000 | 11,818,000 | 12,155,000 |
| Equity capital | 5,418,000 | 5,236,000 | 5,265,000 | 5,420,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 894,000 | 1,680,000 | 2,432,000 | 3,182,000 |
| Interest expense | 300,000 | 488,000 | 634,000 | 772,000 |
| Net interest income | 594,000 | 1,192,000 | 1,798,000 | 2,410,000 |
| Noninterest income | 76,000 | 144,000 | 219,000 | 286,000 |
| Noninterest expense | 239,000 | 487,000 | 739,000 | 991,000 |
| Provision for loan losses | 7,000 | 7,000 | 7,000 | 279,000 |
| Pretax income | 424,000 | 842,000 | 1,271,000 | 1,426,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 424,000 | 842,000 | 1,271,000 | 1,426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,418,000 | 5,236,000 | 5,265,000 | 5,420,000 |
| Total capital | 5,676,000 | 5,494,000 | 5,523,000 | 5,950,000 |
| Risk-weighted assets | 45,503,000 | 43,187,000 | 47,513,000 | 53,139,000 |