Call reports 2003
FIRST NATIONAL BANK IN HOWELL — 2003
What FIRST NATIONAL BANK IN HOWELL reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 412,750,000 | 426,848,000 | 440,354,000 | 448,791,000 |
| Total loans | 334,134,000 | 344,044,000 | 347,027,000 | 347,086,000 |
| Allowance for loan losses | 5,972,000 | 5,882,000 | 6,015,000 | 5,434,000 |
| Securities available for sale | 26,758,000 | 25,995,000 | 33,071,000 | 39,302,000 |
| Securities held to maturity | 16,417,000 | 15,645,000 | 15,354,000 | 15,051,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,550,000 | 376,105,000 | 392,850,000 | 399,208,000 |
| Interest-bearing deposits | 330,937,000 | 330,988,000 | 343,521,000 | 358,301,000 |
| Noninterest-bearing deposits | 36,613,000 | 45,117,000 | 49,329,000 | 40,907,000 |
| Equity capital | 35,879,000 | 36,816,000 | 38,007,000 | 38,754,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,321,000 | 12,633,000 | 19,037,000 | 25,390,000 |
| Interest expense | 1,722,000 | 3,273,000 | 4,742,000 | 6,167,000 |
| Net interest income | 4,599,000 | 9,360,000 | 14,295,000 | 19,223,000 |
| Noninterest income | 835,000 | 1,616,000 | 2,577,000 | 3,337,000 |
| Noninterest expense | 3,180,000 | 6,500,000 | 9,481,000 | 12,739,000 |
| Provision for loan losses | 325,000 | 600,000 | 800,000 | 1,270,000 |
| Pretax income | 1,929,000 | 3,880,000 | 6,595,000 | 8,555,000 |
| Income tax | 574,000 | 1,155,000 | 1,997,000 | 2,555,000 |
| Net income | 1,355,000 | 2,725,000 | 4,598,000 | 6,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,227,000 | 36,182,000 | 37,603,000 | 38,447,000 |
| Total capital | 39,644,000 | 40,681,000 | 42,200,000 | 43,053,000 |
| Risk-weighted assets | 351,766,000 | 358,537,000 | 366,246,000 | 367,164,000 |