Call reports 2009
FIRST NATIONAL BANK OF HOWARD — 2009
What FIRST NATIONAL BANK OF HOWARD reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 7,660,000 | 8,237,000 | 7,307,000 | 9,176,000 |
| Total loans | 4,345,000 | 3,063,000 | 3,807,000 | 3,911,000 |
| Allowance for loan losses | 38,000 | 38,000 | 38,000 | 35,000 |
| Securities available for sale | 3,000 | 3,000 | 3,000 | 3,000 |
| Securities held to maturity | 100,000 | 308,000 | 591,000 | 689,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,978,000 | 6,509,000 | 5,610,000 | 7,500,000 |
| Interest-bearing deposits | 3,703,000 | 4,284,000 | 3,949,000 | 5,885,000 |
| Noninterest-bearing deposits | 2,275,000 | 2,225,000 | 1,661,000 | 1,615,000 |
| Equity capital | 1,632,000 | 1,666,000 | 1,630,000 | 1,627,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 81,000 | 155,000 | 218,000 | 285,000 |
| Interest expense | 4,000 | 8,000 | 13,000 | 17,000 |
| Net interest income | 77,000 | 147,000 | 205,000 | 268,000 |
| Noninterest income | 20,000 | 44,000 | 63,000 | 80,000 |
| Noninterest expense | 63,000 | 123,000 | 180,000 | 241,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 34,000 | 68,000 | 88,000 | 107,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 4,000 |
| Net income | 32,000 | 66,000 | 86,000 | 103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,632,000 | 1,666,000 | 1,630,000 | 1,627,000 |
| Total capital | 1,670,000 | 1,704,000 | 1,668,000 | 1,662,000 |
| Risk-weighted assets | 5,079,000 | 4,325,000 | 4,752,000 | 5,270,000 |