Call reports 2008
FIRST NATIONAL BANK OF HOWARD — 2008
What FIRST NATIONAL BANK OF HOWARD reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 7,782,000 | 6,991,000 | 7,457,000 | 7,410,000 |
| Total loans | 3,660,000 | 3,580,000 | 3,072,000 | 3,691,000 |
| Allowance for loan losses | 38,000 | 38,000 | 38,000 | 38,000 |
| Securities available for sale | 3,000 | 3,000 | 3,000 | 3,000 |
| Securities held to maturity | 200,000 | 200,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,067,000 | 5,313,000 | 5,768,000 | 5,752,000 |
| Interest-bearing deposits | 4,021,000 | 3,735,000 | 3,725,000 | 3,380,000 |
| Noninterest-bearing deposits | 2,046,000 | 1,578,000 | 2,043,000 | 2,372,000 |
| Equity capital | 1,654,000 | 1,621,000 | 1,623,000 | 1,620,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 111,000 | 205,000 | 289,000 | 370,000 |
| Interest expense | 7,000 | 15,000 | 21,000 | 25,000 |
| Net interest income | 104,000 | 190,000 | 268,000 | 345,000 |
| Noninterest income | 14,000 | 34,000 | 60,000 | 84,000 |
| Noninterest expense | 73,000 | 154,000 | 230,000 | 302,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 45,000 | 70,000 | 98,000 | 127,000 |
| Income tax | 1,000 | 3,000 | 1,000 | 5,000 |
| Net income | 44,000 | 67,000 | 97,000 | 122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,654,000 | 1,621,000 | 1,623,000 | 1,620,000 |
| Total capital | 1,692,000 | 1,659,000 | 1,661,000 | 1,658,000 |
| Risk-weighted assets | 4,577,000 | 4,410,000 | 4,058,000 | 4,545,000 |