Call reports 2003
FIRST NATIONAL BANK OF HOWARD — 2003
What FIRST NATIONAL BANK OF HOWARD reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 6,565,000 | 6,979,000 | 6,795,000 | 8,128,000 |
| Total loans | 3,845,000 | 3,939,000 | 3,435,000 | 3,652,000 |
| Allowance for loan losses | 41,000 | 41,000 | 41,000 | 41,000 |
| Securities available for sale | 8,000 | 5,000 | 4,000 | 4,000 |
| Securities held to maturity | 1,388,000 | 1,178,000 | 763,000 | 948,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,426,000 | 5,818,000 | 5,602,000 | 6,961,000 |
| Interest-bearing deposits | 4,271,000 | 4,740,000 | 4,608,000 | 5,953,000 |
| Noninterest-bearing deposits | 1,155,000 | 1,078,000 | 994,000 | 1,008,000 |
| Equity capital | 1,070,000 | 1,095,000 | 1,118,000 | 1,135,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 87,000 | 175,000 | 259,000 | 338,000 |
| Interest expense | 13,000 | 25,000 | 35,000 | 44,000 |
| Net interest income | 74,000 | 150,000 | 224,000 | 294,000 |
| Noninterest income | 17,000 | 35,000 | 55,000 | 73,000 |
| Noninterest expense | 63,000 | 125,000 | 189,000 | 263,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 28,000 | 60,000 | 90,000 | 104,000 |
| Income tax | 6,000 | 14,000 | 21,000 | 18,000 |
| Net income | 22,000 | 46,000 | 69,000 | 86,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,069,000 | 1,095,000 | 1,118,000 | 1,135,000 |
| Total capital | 1,110,000 | 1,137,000 | 1,159,000 | 1,176,000 |
| Risk-weighted assets | 4,628,000 | 4,722,000 | 4,152,000 | 4,718,000 |
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