Call reports 2014
FIRST NATIONAL BANK OF HEREFORD, THE — 2014
What FIRST NATIONAL BANK OF HEREFORD, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 137,056,000 | 137,544,000 | 139,914,000 | 146,018,000 |
| Total loans | 95,491,000 | 97,374,000 | 102,137,000 | 104,383,000 |
| Allowance for loan losses | 1,177,000 | 1,186,000 | 1,298,000 | 1,359,000 |
| Securities available for sale | 18,461,000 | 19,343,000 | 18,563,000 | 17,974,000 |
| Securities held to maturity | 600,000 | 600,000 | 600,000 | 600,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,434,000 | 123,573,000 | 125,443,000 | 131,243,000 |
| Interest-bearing deposits | 92,264,000 | 93,273,000 | 94,232,000 | 92,509,000 |
| Noninterest-bearing deposits | 31,171,000 | 30,300,000 | 31,211,000 | 38,734,000 |
| Equity capital | 13,172,000 | 13,488,000 | 13,911,000 | 14,304,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,314,000 | 2,658,000 | 4,081,000 | 5,500,000 |
| Interest expense | 97,000 | 202,000 | 307,000 | 413,000 |
| Net interest income | 1,217,000 | 2,456,000 | 3,774,000 | 5,087,000 |
| Noninterest income | 164,000 | 341,000 | 519,000 | 700,000 |
| Noninterest expense | 932,000 | 1,874,000 | 2,771,000 | 3,711,000 |
| Provision for loan losses | 15,000 | 155,000 | 265,000 | 325,000 |
| Pretax income | 434,000 | 768,000 | 1,257,000 | 1,751,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 434,000 | 768,000 | 1,257,000 | 1,751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,083,000 | 13,264,000 | 13,636,000 | 13,965,000 |
| Total capital | 14,260,000 | 14,450,000 | 14,934,000 | 15,324,000 |
| Risk-weighted assets | 102,488,000 | 104,650,000 | 109,504,000 | 112,190,000 |
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