Call reports 2001
FIRST NATIONAL BANK OF HOWARD — 2001
What FIRST NATIONAL BANK OF HOWARD reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 8,323,000 | 7,660,000 | 6,976,000 | 7,766,000 |
| Total loans | 3,238,000 | 3,661,000 | 3,638,000 | 3,808,000 |
| Allowance for loan losses | 41,000 | 41,000 | 41,000 | 41,000 |
| Securities available for sale | 34,000 | 34,000 | 33,000 | 27,000 |
| Securities held to maturity | 874,000 | 864,000 | 1,225,000 | 1,170,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,132,000 | 5,664,000 | 5,977,000 | 6,025,000 |
| Interest-bearing deposits | 4,677,000 | 4,755,000 | 4,861,000 | 4,913,000 |
| Noninterest-bearing deposits | 1,455,000 | 909,000 | 1,116,000 | 1,112,000 |
| Equity capital | 889,000 | 871,000 | 906,000 | 939,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 152,000 | 289,000 | 412,000 | 523,000 |
| Interest expense | 53,000 | 101,000 | 138,000 | 162,000 |
| Net interest income | 99,000 | 188,000 | 274,000 | 361,000 |
| Noninterest income | 17,000 | 36,000 | 55,000 | 74,000 |
| Noninterest expense | 61,000 | 124,000 | 180,000 | 240,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 55,000 | 100,000 | 149,000 | 195,000 |
| Income tax | 17,000 | 30,000 | 44,000 | 57,000 |
| Net income | 38,000 | 70,000 | 105,000 | 138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 887,000 | 869,000 | 904,000 | 937,000 |
| Total capital | 930,000 | 912,000 | 947,000 | 978,000 |
| Risk-weighted assets | 4,450,000 | 4,658,000 | 4,541,000 | 4,808,000 |
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