Call reports 2010
FIRST NATIONAL BANK OF HOWARD — 2010
What FIRST NATIONAL BANK OF HOWARD reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 9,842,000 | 8,721,000 | 8,651,000 | 10,379,000 |
| Total loans | 4,278,000 | 3,623,000 | 4,709,000 | 4,748,000 |
| Allowance for loan losses | 35,000 | 38,000 | 38,000 | 38,000 |
| Securities available for sale | 3,000 | 3,000 | 3,000 | 3,000 |
| Securities held to maturity | 687,000 | 887,000 | 820,000 | 1,169,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,150,000 | 6,424,000 | 6,935,000 | 8,693,000 |
| Interest-bearing deposits | 5,645,000 | 4,824,000 | 4,963,000 | 6,861,000 |
| Noninterest-bearing deposits | 2,505,000 | 1,600,000 | 1,972,000 | 1,832,000 |
| Equity capital | 1,634,000 | 1,644,000 | 1,640,000 | 1,634,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 77,000 | 142,000 | 218,000 | 296,000 |
| Interest expense | 8,000 | 14,000 | 20,000 | 26,000 |
| Net interest income | 69,000 | 128,000 | 198,000 | 270,000 |
| Noninterest income | 19,000 | 34,000 | 49,000 | 65,000 |
| Noninterest expense | 60,000 | 123,000 | 187,000 | 254,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 28,000 | 39,000 | 60,000 | 81,000 |
| Income tax | 1,000 | 2,000 | 2,000 | 4,000 |
| Net income | 27,000 | 37,000 | 58,000 | 77,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,634,000 | 1,644,000 | 1,640,000 | 1,634,000 |
| Total capital | 1,669,000 | 1,682,000 | 1,678,000 | 1,672,000 |
| Risk-weighted assets | 5,726,000 | 4,896,000 | 5,816,000 | 6,293,000 |