Call reports 2021
FIRST NATIONAL BANK OF HEREFORD, THE — 2021
What FIRST NATIONAL BANK OF HEREFORD, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 211,484,000 | 201,899,000 | 211,469,000 | 228,372,000 |
| Total loans | 138,868,000 | 140,738,000 | 143,872,000 | 148,326,000 |
| Allowance for loan losses | 1,820,000 | 1,840,000 | 1,947,000 | 1,972,000 |
| Securities available for sale | 16,657,000 | 16,923,000 | 18,846,000 | 20,571,000 |
| Securities held to maturity | 3,399,000 | 3,392,000 | 3,386,000 | 3,379,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,546,000 | 169,919,000 | 179,263,000 | 195,836,000 |
| Interest-bearing deposits | 109,547,000 | 109,564,000 | 110,708,000 | 110,234,000 |
| Noninterest-bearing deposits | 72,999,000 | 60,355,000 | 68,555,000 | 85,602,000 |
| Equity capital | 19,728,000 | 20,490,000 | 21,121,000 | 21,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,700,000 | 3,618,000 | 5,645,000 | 7,640,000 |
| Interest expense | 106,000 | 198,000 | 285,000 | 372,000 |
| Net interest income | 1,594,000 | 3,420,000 | 5,360,000 | 7,268,000 |
| Noninterest income | 342,000 | 801,000 | 1,214,000 | 1,828,000 |
| Noninterest expense | 1,301,000 | 2,672,000 | 4,030,000 | 5,468,000 |
| Provision for loan losses | 15,000 | 35,000 | 65,000 | 95,000 |
| Pretax income | 620,000 | 1,511,000 | 2,476,000 | 3,528,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 620,000 | 1,511,000 | 2,476,000 | 3,528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,278,000 | 19,961,000 | 20,620,000 | 21,341,000 |
| Total capital | 21,138,000 | 21,841,000 | 22,596,000 | 23,357,000 |
| Risk-weighted assets | 166,994,000 | 166,223,000 | 158,097,000 | 167,539,000 |