Call reports 2022
FIRST NATIONAL BANK OF HEREFORD, THE — 2022
What FIRST NATIONAL BANK OF HEREFORD, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 213,682,000 | 220,034,000 | 235,023,000 | 232,703,000 |
| Total loans | 143,007,000 | 157,624,000 | 158,194,000 | 176,957,000 |
| Allowance for loan losses | 2,006,000 | 2,039,000 | 2,077,000 | 2,095,000 |
| Securities available for sale | 20,804,000 | 24,316,000 | 23,401,000 | 25,554,000 |
| Securities held to maturity | 3,050,000 | 3,043,000 | 3,036,000 | 3,028,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,399,000 | 191,591,000 | 204,409,000 | 201,296,000 |
| Interest-bearing deposits | 115,702,000 | 120,005,000 | 122,535,000 | 116,883,000 |
| Noninterest-bearing deposits | 68,697,000 | 71,586,000 | 81,874,000 | 84,413,000 |
| Equity capital | 20,621,000 | 19,998,000 | 19,926,000 | 21,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,734,000 | 3,693,000 | 6,063,000 | 9,000,000 |
| Interest expense | 85,000 | 174,000 | 287,000 | 536,000 |
| Net interest income | 1,649,000 | 3,519,000 | 5,776,000 | 8,464,000 |
| Noninterest income | 423,000 | 824,000 | 1,218,000 | 1,621,000 |
| Noninterest expense | 1,413,000 | 2,788,000 | 4,225,000 | 5,847,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 110,000 |
| Pretax income | 627,000 | 1,493,000 | 2,677,000 | 4,118,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 627,000 | 1,493,000 | 2,677,000 | 4,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,603,000 | 22,255,000 | 23,200,000 | 24,175,000 |
| Total capital | 23,581,000 | 24,338,000 | 25,321,000 | 26,329,000 |
| Risk-weighted assets | 158,139,000 | 174,000,000 | 175,794,000 | 196,492,000 |