Call reports 2015
FIRST NATIONAL BANK OF HEREFORD, THE — 2015
What FIRST NATIONAL BANK OF HEREFORD, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 154,716,000 | 151,719,000 | 155,223,000 | 154,196,000 |
| Total loans | 100,317,000 | 105,924,000 | 109,708,000 | 106,535,000 |
| Allowance for loan losses | 1,471,000 | 1,549,000 | 1,838,000 | 1,772,000 |
| Securities available for sale | 17,037,000 | 17,172,000 | 17,619,000 | 16,684,000 |
| Securities held to maturity | 600,000 | 600,000 | 600,000 | 600,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,041,000 | 136,714,000 | 139,892,000 | 138,617,000 |
| Interest-bearing deposits | 100,808,000 | 103,932,000 | 101,995,000 | 99,006,000 |
| Noninterest-bearing deposits | 39,233,000 | 32,782,000 | 37,897,000 | 39,612,000 |
| Equity capital | 14,165,000 | 14,403,000 | 14,654,000 | 15,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,377,000 | 2,792,000 | 4,252,000 | 5,702,000 |
| Interest expense | 108,000 | 224,000 | 339,000 | 457,000 |
| Net interest income | 1,269,000 | 2,568,000 | 3,913,000 | 5,245,000 |
| Noninterest income | 168,000 | 333,000 | 506,000 | 673,000 |
| Noninterest expense | 953,000 | 1,915,000 | 2,834,000 | 3,769,000 |
| Provision for loan losses | 490,000 | 576,000 | 866,000 | 896,000 |
| Pretax income | -6,000 | 400,000 | 696,000 | 1,223,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -6,000 | 400,000 | 696,000 | 1,223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,777,000 | 14,184,000 | 14,336,000 | 14,761,000 |
| Total capital | 15,248,000 | 15,729,000 | 15,914,000 | 16,274,000 |
| Risk-weighted assets | 119,378,000 | 123,574,000 | 125,986,000 | 120,817,000 |