Call reports 2016
FIRST NATIONAL BANK OF HEREFORD, THE — 2016
What FIRST NATIONAL BANK OF HEREFORD, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 149,398,000 | 153,180,000 | 159,010,000 | 163,625,000 |
| Total loans | 106,130,000 | 107,924,000 | 107,543,000 | 98,283,000 |
| Allowance for loan losses | 1,600,000 | 1,633,000 | 1,761,000 | 2,110,000 |
| Securities available for sale | 15,940,000 | 15,407,000 | 16,596,000 | 15,227,000 |
| Securities held to maturity | 601,000 | 601,000 | 601,000 | 601,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,481,000 | 136,717,000 | 142,124,000 | 148,062,000 |
| Interest-bearing deposits | 100,130,000 | 100,736,000 | 102,359,000 | 102,442,000 |
| Noninterest-bearing deposits | 33,351,000 | 35,981,000 | 39,765,000 | 45,620,000 |
| Equity capital | 15,304,000 | 15,762,000 | 16,090,000 | 14,877,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,485,000 | 2,974,000 | 4,489,000 | 5,788,000 |
| Interest expense | 116,000 | 231,000 | 347,000 | 464,000 |
| Net interest income | 1,369,000 | 2,743,000 | 4,142,000 | 5,324,000 |
| Noninterest income | 170,000 | 342,000 | 535,000 | 727,000 |
| Noninterest expense | 966,000 | 1,936,000 | 2,932,000 | 3,914,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 1,110,000 |
| Pretax income | 530,000 | 1,065,000 | 1,610,000 | 972,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 530,000 | 1,065,000 | 1,610,000 | 972,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,937,000 | 15,286,000 | 15,641,000 | 14,805,000 |
| Total capital | 16,437,000 | 16,826,000 | 17,197,000 | 16,294,000 |
| Risk-weighted assets | 119,912,000 | 123,130,000 | 124,253,000 | 118,445,000 |