Call reports 2023
FIRST NATIONAL BANK OF HEREFORD, THE — 2023
What FIRST NATIONAL BANK OF HEREFORD, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 245,100,000 | 249,503,000 | 270,455,000 | 280,006,000 |
| Total loans | 194,333,000 | 196,269,000 | 220,407,000 | 224,863,000 |
| Allowance for loan losses | 2,138,000 | 2,173,000 | 2,321,000 | 2,373,000 |
| Securities available for sale | 24,828,000 | 23,918,000 | 22,027,000 | 22,773,000 |
| Securities held to maturity | 2,943,000 | 2,936,000 | 2,929,000 | 2,922,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,622,000 | 217,943,000 | 225,522,000 | 248,647,000 |
| Interest-bearing deposits | 127,828,000 | 141,134,000 | 153,658,000 | 159,164,000 |
| Noninterest-bearing deposits | 79,794,000 | 76,810,000 | 71,864,000 | 89,484,000 |
| Equity capital | 22,658,000 | 23,079,000 | 23,073,000 | 25,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,340,000 | 6,708,000 | 10,802,000 | 15,180,000 |
| Interest expense | 522,000 | 1,371,000 | 2,553,000 | 3,862,000 |
| Net interest income | 2,818,000 | 5,337,000 | 8,249,000 | 11,318,000 |
| Noninterest income | 436,000 | 867,000 | 1,252,000 | 1,636,000 |
| Noninterest expense | 1,819,000 | 3,585,000 | 5,560,000 | 7,748,000 |
| Provision for loan losses | 35,000 | 80,000 | 225,000 | 270,000 |
| Pretax income | 1,400,000 | 2,539,000 | 3,716,000 | 4,936,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,400,000 | 2,539,000 | 3,716,000 | 4,936,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,074,000 | 25,730,000 | 26,516,000 | 27,309,000 |
| Total capital | 27,271,000 | 27,962,000 | 28,899,000 | 29,761,000 |
| Risk-weighted assets | 210,520,000 | 215,549,000 | 239,505,000 | 242,292,000 |