Call reports 2004
FIRST NATIONAL BANK OF HOWARD — 2004
What FIRST NATIONAL BANK OF HOWARD reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 7,357,000 | 7,588,000 | 7,364,000 | 7,114,000 |
| Total loans | 3,828,000 | 3,535,000 | 3,230,000 | 3,855,000 |
| Allowance for loan losses | 41,000 | 41,000 | 41,000 | 41,000 |
| Securities available for sale | 4,000 | 4,000 | 4,000 | 4,000 |
| Securities held to maturity | 947,000 | 937,000 | 887,000 | 1,707,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,143,000 | 6,372,000 | 6,138,000 | 5,901,000 |
| Interest-bearing deposits | 5,153,000 | 5,015,000 | 5,026,000 | 4,803,000 |
| Noninterest-bearing deposits | 990,000 | 1,357,000 | 1,111,000 | 1,098,000 |
| Equity capital | 1,172,000 | 1,169,000 | 1,157,000 | 1,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 81,000 | 166,000 | 244,000 | 336,000 |
| Interest expense | 9,000 | 18,000 | 27,000 | 38,000 |
| Net interest income | 72,000 | 148,000 | 217,000 | 298,000 |
| Noninterest income | 22,000 | 39,000 | 55,000 | 76,000 |
| Noninterest expense | 57,000 | 113,000 | 174,000 | 241,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 37,000 | 74,000 | 98,000 | 133,000 |
| Income tax | 0 | 3,000 | 5,000 | 8,000 |
| Net income | 37,000 | 71,000 | 93,000 | 125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,172,000 | 1,169,000 | 1,157,000 | 1,166,000 |
| Total capital | 1,213,000 | 1,210,000 | 1,199,000 | 1,207,000 |
| Risk-weighted assets | 4,696,000 | 4,497,000 | 4,198,000 | 4,693,000 |