Call reports 2005
FIRST NATIONAL BANK IN HOWELL — 2005
What FIRST NATIONAL BANK IN HOWELL reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 464,908,000 | 473,209,000 | 489,010,000 | 477,220,000 |
| Total loans | 364,100,000 | 370,812,000 | 369,776,000 | 372,855,000 |
| Allowance for loan losses | 6,066,000 | 7,113,000 | 7,293,000 | 6,991,000 |
| Securities available for sale | 45,662,000 | 46,525,000 | 48,045,000 | 44,794,000 |
| Securities held to maturity | 16,288,000 | 16,165,000 | 15,684,000 | 16,426,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 410,257,000 | 415,408,000 | 435,398,000 | 422,193,000 |
| Interest-bearing deposits | 369,045,000 | 369,230,000 | 388,624,000 | 382,077,000 |
| Noninterest-bearing deposits | 41,212,000 | 46,178,000 | 46,774,000 | 40,116,000 |
| Equity capital | 45,787,000 | 46,880,000 | 48,174,000 | 49,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,914,000 | 14,195,000 | 21,927,000 | 29,814,000 |
| Interest expense | 1,477,000 | 3,162,000 | 5,068,000 | 7,054,000 |
| Net interest income | 5,437,000 | 11,033,000 | 16,859,000 | 22,760,000 |
| Noninterest income | 820,000 | 1,656,000 | 2,543,000 | 3,303,000 |
| Noninterest expense | 3,482,000 | 7,058,000 | 10,445,000 | 13,536,000 |
| Provision for loan losses | 366,000 | 1,544,000 | 2,044,000 | 3,037,000 |
| Pretax income | 2,409,000 | 4,087,000 | 6,913,000 | 9,490,000 |
| Income tax | 735,000 | 1,202,000 | 2,088,000 | 2,884,000 |
| Net income | 1,674,000 | 2,885,000 | 4,825,000 | 6,606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,040,000 | 44,960,000 | 48,511,000 | 49,767,000 |
| Total capital | 48,804,000 | 49,815,000 | 53,441,000 | 54,723,000 |
| Risk-weighted assets | 379,491,000 | 385,863,000 | 391,793,000 | 393,999,000 |