Call reports 2007
FIRST NATIONAL BANK OF HOWARD — 2007
What FIRST NATIONAL BANK OF HOWARD reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 7,243,000 | 7,049,000 | 7,512,000 | 7,810,000 |
| Total loans | 4,420,000 | 4,068,000 | 4,074,000 | 3,847,000 |
| Allowance for loan losses | 41,000 | 41,000 | 38,000 | 38,000 |
| Securities available for sale | 4,000 | 4,000 | 4,000 | 4,000 |
| Securities held to maturity | 200,000 | 200,000 | 200,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,703,000 | 5,434,000 | 5,839,000 | 6,153,000 |
| Interest-bearing deposits | 4,234,000 | 4,108,000 | 3,995,000 | 4,187,000 |
| Noninterest-bearing deposits | 1,469,000 | 1,326,000 | 1,844,000 | 1,966,000 |
| Equity capital | 1,477,000 | 1,549,000 | 1,594,000 | 1,610,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 126,000 | 255,000 | 383,000 | 513,000 |
| Interest expense | 9,000 | 19,000 | 28,000 | 38,000 |
| Net interest income | 117,000 | 236,000 | 355,000 | 475,000 |
| Noninterest income | 24,000 | 47,000 | 72,000 | 91,000 |
| Noninterest expense | 67,000 | 135,000 | 201,000 | 272,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 74,000 | 148,000 | 226,000 | 294,000 |
| Income tax | 4,000 | 6,000 | 11,000 | 15,000 |
| Net income | 70,000 | 142,000 | 215,000 | 279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,477,000 | 1,549,000 | 1,594,000 | 1,610,000 |
| Total capital | 1,518,000 | 1,590,000 | 1,632,000 | 1,648,000 |
| Risk-weighted assets | 5,282,000 | 4,895,000 | 5,010,000 | 4,860,000 |