Call reports 2013
FIRST NATIONAL BANK OF HOWARD — 2013
What FIRST NATIONAL BANK OF HOWARD reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 8,000,000 | 8,010,000 | 8,132,000 | 8,134,000 |
| Total loans | 2,694,000 | 2,525,000 | 2,618,000 | 2,476,000 |
| Allowance for loan losses | 35,000 | 35,000 | 35,000 | 35,000 |
| Securities available for sale | 2,000 | 2,000 | 2,000 | 2,000 |
| Securities held to maturity | 346,000 | 346,000 | 390,000 | 390,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,314,000 | 6,324,000 | 6,437,000 | 6,468,000 |
| Interest-bearing deposits | 4,650,000 | 4,581,000 | 4,697,000 | 4,505,000 |
| Noninterest-bearing deposits | 1,664,000 | 1,743,000 | 1,740,000 | 1,963,000 |
| Equity capital | 1,656,000 | 1,656,000 | 1,659,000 | 1,651,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 44,000 | 86,000 | 129,000 | 171,000 |
| Interest expense | 4,000 | 7,000 | 11,000 | 14,000 |
| Net interest income | 40,000 | 79,000 | 118,000 | 157,000 |
| Noninterest income | 12,000 | 26,000 | 38,000 | 49,000 |
| Noninterest expense | 51,000 | 88,000 | 136,000 | 186,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,000 | 17,000 | 20,000 | 20,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 1,000 | 16,000 | 19,000 | 19,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,656,000 | 1,656,000 | 1,659,000 | 1,651,000 |
| Total capital | 1,691,000 | 1,691,000 | 1,694,000 | 1,686,000 |
| Risk-weighted assets | 3,831,000 | 3,785,000 | 3,716,000 | 3,622,000 |