Call reports 2006
FIRST NATIONAL BANK OF HOWARD — 2006
What FIRST NATIONAL BANK OF HOWARD reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 7,525,000 | 7,042,000 | 9,079,000 | 7,410,000 |
| Total loans | 3,964,000 | 3,684,000 | 4,072,000 | 4,349,000 |
| 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 | 1,451,000 | 1,375,000 | 1,300,000 | 1,200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,147,000 | 5,642,000 | 7,611,000 | 5,926,000 |
| Interest-bearing deposits | 4,207,000 | 4,249,000 | 4,812,000 | 4,467,000 |
| Noninterest-bearing deposits | 1,940,000 | 1,393,000 | 2,799,000 | 1,459,000 |
| Equity capital | 1,319,000 | 1,332,000 | 1,389,000 | 1,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 115,000 | 229,000 | 346,000 | 487,000 |
| Interest expense | 13,000 | 27,000 | 41,000 | 55,000 |
| Net interest income | 102,000 | 202,000 | 305,000 | 432,000 |
| Noninterest income | 17,000 | 32,000 | 56,000 | 76,000 |
| Noninterest expense | 64,000 | 122,000 | 188,000 | 257,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 55,000 | 112,000 | 173,000 | 251,000 |
| Income tax | 2,000 | 6,000 | 10,000 | 14,000 |
| Net income | 53,000 | 106,000 | 163,000 | 237,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,319,000 | 1,332,000 | 1,389,000 | 1,435,000 |
| Total capital | 1,360,000 | 1,373,000 | 1,430,000 | 1,476,000 |
| Risk-weighted assets | 4,903,000 | 4,693,000 | 5,308,000 | 5,254,000 |