Call reports 2020
FIRST NATIONAL BANK OF HEREFORD, THE — 2020
What FIRST NATIONAL BANK OF HEREFORD, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 170,460,000 | 191,342,000 | 195,043,000 | 206,213,000 |
| Total loans | 129,516,000 | 140,495,000 | 137,348,000 | 139,662,000 |
| Allowance for loan losses | 1,654,000 | 1,743,000 | 1,759,000 | 1,757,000 |
| Securities available for sale | 15,801,000 | 15,385,000 | 14,816,000 | 15,048,000 |
| Securities held to maturity | 3,067,000 | 3,507,000 | 3,500,000 | 3,493,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,883,000 | 153,267,000 | 164,999,000 | 174,399,000 |
| Interest-bearing deposits | 95,760,000 | 97,937,000 | 97,962,000 | 102,831,000 |
| Noninterest-bearing deposits | 44,123,000 | 55,330,000 | 67,037,000 | 71,568,000 |
| Equity capital | 17,894,000 | 18,494,000 | 19,065,000 | 19,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,814,000 | 3,568,000 | 5,489,000 | 7,307,000 |
| Interest expense | 203,000 | 386,000 | 542,000 | 667,000 |
| Net interest income | 1,611,000 | 3,182,000 | 4,947,000 | 6,640,000 |
| Noninterest income | 340,000 | 650,000 | 1,011,000 | 1,393,000 |
| Noninterest expense | 1,308,000 | 2,584,000 | 3,862,000 | 5,171,000 |
| Provision for loan losses | 36,000 | 41,000 | 56,000 | 71,000 |
| Pretax income | 603,000 | 1,202,000 | 2,035,000 | 2,785,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 603,000 | 1,202,000 | 2,035,000 | 2,785,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,424,000 | 17,821,000 | 18,447,000 | 18,892,000 |
| Total capital | 19,118,000 | 19,604,000 | 20,246,000 | 20,689,000 |
| Risk-weighted assets | 140,916,000 | 164,315,000 | 163,939,000 | 169,017,000 |