Call reports 2001
FIRST NATIONAL BANK IN HOWELL — 2001
What FIRST NATIONAL BANK IN HOWELL reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 335,799,000 | 356,731,000 | 372,080,000 | 391,402,000 |
| Total loans | 265,418,000 | 269,992,000 | 276,128,000 | 286,280,000 |
| Allowance for loan losses | 5,457,000 | 5,692,000 | 5,837,000 | 5,668,000 |
| Securities available for sale | 14,577,000 | 21,640,000 | 30,205,000 | 37,098,000 |
| Securities held to maturity | 18,960,000 | 18,362,000 | 18,279,000 | 18,057,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,202,000 | 318,895,000 | 332,433,000 | 351,825,000 |
| Interest-bearing deposits | 244,588,000 | 257,627,000 | 269,500,000 | 288,731,000 |
| Noninterest-bearing deposits | 53,614,000 | 61,268,000 | 62,933,000 | 63,094,000 |
| Equity capital | 27,605,000 | 28,541,000 | 29,676,000 | 29,897,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 7,073,000 | 13,993,000 | 20,891,000 | 27,599,000 |
| Interest expense | 2,903,000 | 5,696,000 | 8,442,000 | 10,861,000 |
| Net interest income | 4,170,000 | 8,297,000 | 12,449,000 | 16,738,000 |
| Noninterest income | 623,000 | 1,298,000 | 1,931,000 | 2,615,000 |
| Noninterest expense | 2,646,000 | 5,383,000 | 8,013,000 | 10,986,000 |
| Provision for loan losses | 300,000 | 600,000 | 890,000 | 900,000 |
| Pretax income | 1,847,000 | 3,612,000 | 5,477,000 | 7,467,000 |
| Income tax | 531,000 | 1,043,000 | 1,584,000 | 2,172,000 |
| Net income | 1,316,000 | 2,569,000 | 3,893,000 | 5,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,498,000 | 28,436,000 | 29,445,000 | 29,870,000 |
| Total capital | 30,987,000 | 32,051,000 | 33,158,000 | 33,885,000 |
| Risk-weighted assets | 277,191,000 | 287,084,000 | 294,904,000 | 319,569,000 |