Call reports 2011
FIRST NATIONAL BANK OF HOWARD — 2011
What FIRST NATIONAL BANK OF HOWARD reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 9,601,000 | 8,668,000 | 8,559,000 | 8,565,000 |
| Total loans | 5,049,000 | 3,758,000 | 3,019,000 | 3,720,000 |
| Allowance for loan losses | 37,000 | 38,000 | 38,000 | 38,000 |
| Securities available for sale | 2,000 | 3,000 | 3,000 | 3,000 |
| Securities held to maturity | 813,000 | 710,000 | 607,000 | 915,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,909,000 | 6,973,000 | 6,874,000 | 6,897,000 |
| Interest-bearing deposits | 6,087,000 | 5,205,000 | 4,599,000 | 4,912,000 |
| Noninterest-bearing deposits | 1,822,000 | 1,768,000 | 2,276,000 | 1,985,000 |
| Equity capital | 1,660,000 | 1,656,000 | 1,639,000 | 1,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 81,000 | 150,000 | 208,000 | 265,000 |
| Interest expense | 7,000 | 13,000 | 18,000 | 23,000 |
| Net interest income | 74,000 | 137,000 | 190,000 | 242,000 |
| Noninterest income | 13,000 | 27,000 | 43,000 | 57,000 |
| Noninterest expense | 59,000 | 111,000 | 172,000 | 231,000 |
| Provision for loan losses | 0 | 1,000 | 1,000 | 1,000 |
| Pretax income | 28,000 | 52,000 | 60,000 | 67,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 3,000 |
| Net income | 26,000 | 50,000 | 58,000 | 64,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,660,000 | 1,656,000 | 1,639,000 | 1,645,000 |
| Total capital | 1,697,000 | 1,694,000 | 1,677,000 | 1,683,000 |
| Risk-weighted assets | 6,338,000 | 5,029,000 | 4,414,000 | 4,887,000 |