Call reports 2013
FIRST NATIONAL BANK OF HEREFORD, THE — 2013
What FIRST NATIONAL BANK OF HEREFORD, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 131,071,000 | 127,319,000 | 135,197,000 | 140,568,000 |
| Total loans | 87,600,000 | 91,202,000 | 96,568,000 | 91,761,000 |
| Allowance for loan losses | 1,096,000 | 1,125,000 | 1,195,000 | 1,155,000 |
| Securities available for sale | 19,263,000 | 19,249,000 | 19,313,000 | 18,446,000 |
| Securities held to maturity | 600,000 | 600,000 | 600,000 | 600,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,246,000 | 114,602,000 | 122,299,000 | 127,439,000 |
| Interest-bearing deposits | 89,740,000 | 88,750,000 | 86,966,000 | 88,513,000 |
| Noninterest-bearing deposits | 28,506,000 | 25,852,000 | 35,333,000 | 38,926,000 |
| Equity capital | 12,458,000 | 12,297,000 | 12,414,000 | 12,682,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,275,000 | 2,549,000 | 3,864,000 | 5,192,000 |
| Interest expense | 128,000 | 244,000 | 355,000 | 453,000 |
| Net interest income | 1,147,000 | 2,305,000 | 3,509,000 | 4,739,000 |
| Noninterest income | 168,000 | 333,000 | 495,000 | 668,000 |
| Noninterest expense | 890,000 | 1,776,000 | 2,668,000 | 3,591,000 |
| Provision for loan losses | 90,000 | 225,000 | 295,000 | 355,000 |
| Pretax income | 308,000 | 598,000 | 1,000,000 | 1,421,000 |
| Income tax | 6,000 | 6,000 | 6,000 | 6,000 |
| Net income | 302,000 | 592,000 | 994,000 | 1,415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,034,000 | 12,218,000 | 12,502,000 | 12,797,000 |
| Total capital | 13,130,000 | 13,343,000 | 13,697,000 | 13,952,000 |
| Risk-weighted assets | 92,611,000 | 95,772,000 | 102,328,000 | 98,839,000 |
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