Call reports 2002
FIRST NATIONAL BANK OF HOWARD — 2002
What FIRST NATIONAL BANK OF HOWARD reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 6,639,000 | 8,245,000 | 6,487,000 | 7,066,000 |
| Total loans | 3,940,000 | 3,760,000 | 3,808,000 | 3,852,000 |
| Allowance for loan losses | 41,000 | 41,000 | 41,000 | 41,000 |
| Securities available for sale | 16,000 | 16,000 | 8,000 | 8,000 |
| Securities held to maturity | 1,169,000 | 1,359,000 | 1,319,000 | 1,273,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,539,000 | 5,444,000 | 5,389,000 | 5,954,000 |
| Interest-bearing deposits | 4,299,000 | 4,432,000 | 4,276,000 | 4,829,000 |
| Noninterest-bearing deposits | 1,240,000 | 1,012,000 | 1,113,000 | 1,125,000 |
| Equity capital | 965,000 | 995,000 | 1,025,000 | 1,049,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 97,000 | 197,000 | 296,000 | 394,000 |
| Interest expense | 18,000 | 34,000 | 50,000 | 64,000 |
| Net interest income | 79,000 | 163,000 | 246,000 | 330,000 |
| Noninterest income | 17,000 | 37,000 | 56,000 | 72,000 |
| Noninterest expense | 61,000 | 124,000 | 186,000 | 255,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 35,000 | 76,000 | 116,000 | 147,000 |
| Income tax | 9,000 | 20,000 | 30,000 | 37,000 |
| Net income | 26,000 | 56,000 | 86,000 | 110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 964,000 | 994,000 | 1,024,000 | 1,048,000 |
| Total capital | 1,006,000 | 1,036,000 | 1,066,000 | 1,090,000 |
| Risk-weighted assets | 4,699,000 | 4,878,000 | 4,548,000 | 4,706,000 |
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