Call reports 2012
FIRST NATIONAL BANK OF HOWARD — 2012
What FIRST NATIONAL BANK OF HOWARD reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 8,129,000 | 7,671,000 | 8,103,000 | 9,798,000 |
| Total loans | 3,600,000 | 3,129,000 | 3,028,000 | 2,611,000 |
| Allowance for loan losses | 38,000 | 35,000 | 35,000 | 35,000 |
| Securities available for sale | 2,000 | 2,000 | 2,000 | 2,000 |
| Securities held to maturity | 610,000 | 607,000 | 729,000 | 778,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,440,000 | 5,975,000 | 6,411,000 | 8,123,000 |
| Interest-bearing deposits | 4,305,000 | 4,404,000 | 4,582,000 | 5,173,000 |
| Noninterest-bearing deposits | 2,135,000 | 1,571,000 | 1,829,000 | 2,950,000 |
| Equity capital | 1,658,000 | 1,661,000 | 1,652,000 | 1,655,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 65,000 | 126,000 | 178,000 | 225,000 |
| Interest expense | 4,000 | 9,000 | 13,000 | 18,000 |
| Net interest income | 61,000 | 117,000 | 165,000 | 207,000 |
| Noninterest income | 12,000 | 24,000 | 36,000 | 49,000 |
| Noninterest expense | 59,000 | 114,000 | 168,000 | 220,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 14,000 | 27,000 | 33,000 | 36,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 13,000 | 26,000 | 32,000 | 35,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,658,000 | 1,661,000 | 1,652,000 | 1,655,000 |
| Total capital | 1,696,000 | 1,696,000 | 1,687,000 | 1,690,000 |
| Risk-weighted assets | 4,822,000 | 4,224,000 | 4,138,000 | 4,309,000 |