Call reports 2019
FIRST NATIONAL BANK OF HEREFORD, THE — 2019
What FIRST NATIONAL BANK OF HEREFORD, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 160,041,000 | 162,474,000 | 167,782,000 | 176,565,000 |
| Total loans | 105,746,000 | 110,089,000 | 111,761,000 | 123,710,000 |
| Allowance for loan losses | 1,510,000 | 1,563,000 | 1,593,000 | 1,568,000 |
| Securities available for sale | 18,497,000 | 17,761,000 | 17,069,000 | 16,399,000 |
| Securities held to maturity | 3,217,000 | 3,214,000 | 3,531,000 | 3,528,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,514,000 | 139,177,000 | 143,193,000 | 147,285,000 |
| Interest-bearing deposits | 92,547,000 | 92,417,000 | 90,973,000 | 93,475,000 |
| Noninterest-bearing deposits | 45,967,000 | 46,761,000 | 52,220,000 | 53,810,000 |
| Equity capital | 15,994,000 | 16,788,000 | 17,174,000 | 17,488,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,835,000 | 3,590,000 | 5,420,000 | 7,225,000 |
| Interest expense | 155,000 | 324,000 | 507,000 | 707,000 |
| Net interest income | 1,680,000 | 3,266,000 | 4,913,000 | 6,518,000 |
| Noninterest income | 403,000 | 914,000 | 1,301,000 | 1,650,000 |
| Noninterest expense | 1,279,000 | 2,560,000 | 3,890,000 | 5,184,000 |
| Provision for loan losses | 170,000 | 200,000 | 230,000 | 330,000 |
| Pretax income | 630,000 | 1,406,000 | 2,073,000 | 2,633,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 630,000 | 1,406,000 | 2,073,000 | 2,633,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,770,000 | 16,331,000 | 16,731,000 | 17,062,000 |
| Total capital | 17,313,000 | 17,932,000 | 18,362,000 | 18,669,000 |
| Risk-weighted assets | 123,398,000 | 128,111,000 | 135,518,000 | 148,017,000 |