Call reports 2006
FIRST NATIONAL BANK IN HOWELL — 2006
What FIRST NATIONAL BANK IN HOWELL reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 467,806,000 | 460,865,000 | 465,617,000 | 473,901,000 |
| Total loans | 371,820,000 | 369,400,000 | 377,048,000 | 384,581,000 |
| Allowance for loan losses | 7,234,000 | 7,469,000 | 7,226,000 | 7,598,000 |
| Securities available for sale | 44,159,000 | 42,185,000 | 38,137,000 | 36,411,000 |
| Securities held to maturity | 17,634,000 | 17,455,000 | 17,085,000 | 16,809,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 412,250,000 | 399,423,000 | 409,698,000 | 405,612,000 |
| Interest-bearing deposits | 375,074,000 | 361,965,000 | 375,785,000 | 373,911,000 |
| Noninterest-bearing deposits | 37,176,000 | 37,458,000 | 33,913,000 | 31,701,000 |
| Equity capital | 49,876,000 | 49,979,000 | 50,028,000 | 49,714,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 8,030,000 | 16,091,000 | 24,245,000 | 32,389,000 |
| Interest expense | 2,092,000 | 4,496,000 | 7,288,000 | 10,295,000 |
| Net interest income | 5,938,000 | 11,595,000 | 16,957,000 | 22,094,000 |
| Noninterest income | 834,000 | 1,725,000 | 2,609,000 | 3,167,000 |
| Noninterest expense | 3,835,000 | 7,648,000 | 11,099,000 | 14,551,000 |
| Provision for loan losses | 600,000 | 1,354,000 | 2,139,000 | 2,639,000 |
| Pretax income | 2,337,000 | 4,318,000 | 6,328,000 | 8,071,000 |
| Income tax | 704,000 | 1,286,000 | 1,889,000 | 2,390,000 |
| Net income | 1,633,000 | 3,032,000 | 4,439,000 | 5,681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,530,000 | 50,795,000 | 50,511,000 | 50,078,000 |
| Total capital | 55,449,000 | 55,707,000 | 55,512,000 | 55,200,000 |
| Risk-weighted assets | 390,740,000 | 389,953,000 | 397,320,000 | 406,971,000 |