Call reports 2014
FIRST NATIONAL BANK OF HOWARD — 2014
What FIRST NATIONAL BANK OF HOWARD reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 7,874,000 | 7,328,000 | 8,054,000 | 8,067,000 |
| Total loans | 2,933,000 | 3,249,000 | 3,383,000 | 3,627,000 |
| Allowance for loan losses | 35,000 | 35,000 | 35,000 | 35,000 |
| Securities available for sale | 2,000 | 0 | 0 | 0 |
| Securities held to maturity | 330,000 | 480,000 | 344,000 | 853,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,198,000 | 5,634,000 | 6,363,000 | 6,401,000 |
| Interest-bearing deposits | 4,417,000 | 3,938,000 | 3,973,000 | 4,286,000 |
| Noninterest-bearing deposits | 1,781,000 | 1,696,000 | 2,390,000 | 2,115,000 |
| Equity capital | 1,656,000 | 1,672,000 | 1,664,000 | 1,658,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 45,000 | 94,000 | 148,000 | 207,000 |
| Interest expense | 3,000 | 5,000 | 8,000 | 11,000 |
| Net interest income | 42,000 | 89,000 | 140,000 | 196,000 |
| Noninterest income | 12,000 | 25,000 | 40,000 | 52,000 |
| Noninterest expense | 49,000 | 93,000 | 142,000 | 194,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 5,000 | 21,000 | 38,000 | 54,000 |
| Income tax | 0 | 0 | 0 | 2,000 |
| Net income | 5,000 | 21,000 | 38,000 | 52,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,656,000 | 1,672,000 | 1,664,000 | 1,658,000 |
| Total capital | 1,691,000 | 1,707,000 | 1,699,000 | 1,693,000 |
| Risk-weighted assets | 3,951,000 | 4,032,000 | 4,218,000 | 4,296,000 |