Call reports 2007
FIRST NATIONAL BANK IN HOWELL — 2007
What FIRST NATIONAL BANK IN HOWELL reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 463,783,000 | 449,360,000 | 439,044,000 | 432,895,000 |
| Total loans | 389,083,000 | 376,904,000 | 357,647,000 | 347,876,000 |
| Allowance for loan losses | 7,836,000 | 7,465,000 | 8,758,000 | 10,314,000 |
| Securities available for sale | 34,070,000 | 27,964,000 | 24,119,000 | 22,243,000 |
| Securities held to maturity | 16,824,000 | 15,803,000 | 15,617,000 | 15,394,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 405,791,000 | 392,684,000 | 393,128,000 | 379,664,000 |
| Interest-bearing deposits | 373,014,000 | 350,633,000 | 367,475,000 | 351,015,000 |
| Noninterest-bearing deposits | 32,777,000 | 42,051,000 | 25,653,000 | 28,649,000 |
| Equity capital | 49,090,000 | 45,513,000 | 41,244,000 | 40,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 8,013,000 | 15,968,000 | 23,510,000 | 30,645,000 |
| Interest expense | 3,049,000 | 6,143,000 | 9,087,000 | 11,885,000 |
| Net interest income | 4,964,000 | 9,825,000 | 14,423,000 | 18,760,000 |
| Noninterest income | 758,000 | 1,518,000 | -2,074,000 | -1,274,000 |
| Noninterest expense | 3,402,000 | 6,859,000 | 9,931,000 | 13,161,000 |
| Provision for loan losses | 939,000 | 7,474,000 | 11,838,000 | 14,030,000 |
| Pretax income | 1,381,000 | -3,543,000 | -9,968,000 | -10,253,000 |
| Income tax | 389,000 | -1,365,000 | -3,691,000 | -3,783,000 |
| Net income | 992,000 | -2,178,000 | -6,277,000 | -6,470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,382,000 | 45,575,000 | 41,277,000 | 40,463,000 |
| Total capital | 54,523,000 | 50,669,000 | 46,193,000 | 45,306,000 |
| Risk-weighted assets | 408,219,000 | 404,486,000 | 388,846,000 | 381,217,000 |