Call reports 2005
FIRST NATIONAL BANK OF HOWARD — 2005
What FIRST NATIONAL BANK OF HOWARD reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 6,836,000 | 6,328,000 | 6,779,000 | 7,413,000 |
| Total loans | 3,875,000 | 3,762,000 | 3,680,000 | 3,479,000 |
| 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 | 1,707,000 | 1,706,000 | 1,501,000 | 1,451,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,578,000 | 5,052,000 | 5,474,000 | 6,123,000 |
| Interest-bearing deposits | 3,867,000 | 3,600,000 | 3,684,000 | 4,375,000 |
| Noninterest-bearing deposits | 1,711,000 | 1,452,000 | 1,790,000 | 1,748,000 |
| Equity capital | 1,216,000 | 1,232,000 | 1,249,000 | 1,266,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 95,000 | 194,000 | 293,000 | 398,000 |
| Interest expense | 8,000 | 17,000 | 25,000 | 33,000 |
| Net interest income | 87,000 | 177,000 | 268,000 | 365,000 |
| Noninterest income | 20,000 | 40,000 | 60,000 | 79,000 |
| Noninterest expense | 60,000 | 122,000 | 185,000 | 253,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 47,000 | 95,000 | 143,000 | 191,000 |
| Income tax | -3,000 | 1,000 | 4,000 | 7,000 |
| Net income | 50,000 | 94,000 | 139,000 | 184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,216,000 | 1,232,000 | 1,249,000 | 1,266,000 |
| Total capital | 1,257,000 | 1,273,000 | 1,290,000 | 1,307,000 |
| Risk-weighted assets | 4,825,000 | 4,666,000 | 4,565,000 | 4,203,000 |
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