Call reports 2002
FIRST NATIONAL BANK IN HOWELL — 2002
What FIRST NATIONAL BANK IN HOWELL reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 391,626,000 | 398,115,000 | 402,575,000 | 418,847,000 |
| Total loans | 303,380,000 | 312,522,000 | 318,721,000 | 327,117,000 |
| Allowance for loan losses | 5,496,000 | 5,170,000 | 5,403,000 | 5,794,000 |
| Securities available for sale | 38,284,000 | 33,858,000 | 29,080,000 | 26,678,000 |
| Securities held to maturity | 17,646,000 | 16,854,000 | 16,704,000 | 16,889,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 335,877,000 | 344,979,000 | 355,101,000 | 374,178,000 |
| Interest-bearing deposits | 274,763,000 | 277,700,000 | 288,423,000 | 311,840,000 |
| Noninterest-bearing deposits | 61,114,000 | 67,279,000 | 66,678,000 | 62,338,000 |
| Equity capital | 30,961,000 | 32,652,000 | 33,995,000 | 35,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 6,519,000 | 13,173,000 | 19,725,000 | 26,249,000 |
| Interest expense | 2,133,000 | 4,159,000 | 6,143,000 | 8,017,000 |
| Net interest income | 4,386,000 | 9,014,000 | 13,582,000 | 18,232,000 |
| Noninterest income | 671,000 | 1,384,000 | 2,159,000 | 3,064,000 |
| Noninterest expense | 2,785,000 | 5,794,000 | 8,624,000 | 11,679,000 |
| Provision for loan losses | 0 | 0 | 325,000 | 625,000 |
| Pretax income | 2,272,000 | 4,610,000 | 6,831,000 | 9,029,000 |
| Income tax | 684,000 | 1,393,000 | 2,055,000 | 2,629,000 |
| Net income | 1,588,000 | 3,217,000 | 4,776,000 | 6,400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,065,000 | 32,350,000 | 33,370,000 | 34,457,000 |
| Total capital | 35,288,000 | 36,605,000 | 37,634,000 | 38,829,000 |
| Risk-weighted assets | 336,580,000 | 339,442,000 | 340,064,000 | 348,369,000 |