Call reports 2004
FIRST NATIONAL BANK IN HOWELL — 2004
What FIRST NATIONAL BANK IN HOWELL reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 446,141,000 | 449,340,000 | 463,530,000 | 456,902,000 |
| Total loans | 341,531,000 | 333,155,000 | 338,189,000 | 357,377,000 |
| Allowance for loan losses | 5,765,000 | 5,899,000 | 5,902,000 | 6,093,000 |
| Securities available for sale | 39,833,000 | 48,835,000 | 57,527,000 | 47,208,000 |
| Securities held to maturity | 15,054,000 | 15,898,000 | 16,912,000 | 16,009,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 394,896,000 | 398,772,000 | 410,589,000 | 399,794,000 |
| Interest-bearing deposits | 350,281,000 | 351,577,000 | 364,699,000 | 359,418,000 |
| Noninterest-bearing deposits | 44,615,000 | 47,195,000 | 45,890,000 | 40,376,000 |
| Equity capital | 41,843,000 | 41,936,000 | 43,685,000 | 45,108,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,243,000 | 12,379,000 | 18,652,000 | 25,454,000 |
| Interest expense | 1,431,000 | 2,790,000 | 4,144,000 | 5,606,000 |
| Net interest income | 4,812,000 | 9,589,000 | 14,508,000 | 19,848,000 |
| Noninterest income | 1,045,000 | 1,898,000 | 2,730,000 | 3,605,000 |
| Noninterest expense | 3,246,000 | 6,775,000 | 9,842,000 | 13,176,000 |
| Provision for loan losses | 495,000 | 695,000 | 995,000 | 1,190,000 |
| Pretax income | 2,116,000 | 4,017,000 | 6,401,000 | 9,087,000 |
| Income tax | 626,000 | 1,174,000 | 1,897,000 | 2,728,000 |
| Net income | 1,490,000 | 2,843,000 | 4,504,000 | 6,359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,409,000 | 42,224,000 | 43,478,000 | 43,121,000 |
| Total capital | 45,973,000 | 46,704,000 | 48,027,000 | 47,813,000 |
| Risk-weighted assets | 363,308,000 | 356,688,000 | 362,199,000 | 373,666,000 |