Call reports 2008
FIRST NATIONAL BANK IN HOWELL — 2008
What FIRST NATIONAL BANK IN HOWELL reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 421,037,000 | 424,945,000 | 415,369,000 | 388,783,000 |
| Total loans | 345,491,000 | 338,853,000 | 325,941,000 | 315,817,000 |
| Allowance for loan losses | 10,175,000 | 15,623,000 | 14,651,000 | 14,122,000 |
| Securities available for sale | 19,815,000 | 20,205,000 | 27,973,000 | 41,521,000 |
| Securities held to maturity | 16,303,000 | 15,557,000 | 15,201,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 368,045,000 | 376,619,000 | 368,941,000 | 349,591,000 |
| Interest-bearing deposits | 337,345,000 | 342,558,000 | 340,786,000 | 314,279,000 |
| Noninterest-bearing deposits | 30,700,000 | 34,061,000 | 28,155,000 | 35,312,000 |
| Equity capital | 41,306,000 | 36,309,000 | 34,661,000 | 27,579,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,771,000 | 13,089,000 | 19,188,000 | 24,592,000 |
| Interest expense | 2,610,000 | 4,620,000 | 6,504,000 | 8,105,000 |
| Net interest income | 4,161,000 | 8,469,000 | 12,684,000 | 16,487,000 |
| Noninterest income | 779,000 | 1,424,000 | 2,192,000 | 2,792,000 |
| Noninterest expense | 3,427,000 | 7,247,000 | 10,939,000 | 14,594,000 |
| Provision for loan losses | 689,000 | 8,900,000 | 10,045,000 | 14,855,000 |
| Pretax income | 824,000 | -6,254,000 | -7,880,000 | -13,407,000 |
| Income tax | 194,000 | -2,300,000 | -2,324,000 | -127,000 |
| Net income | 630,000 | -3,954,000 | -5,556,000 | -13,280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,093,000 | 36,493,000 | 35,511,000 | 27,183,000 |
| Total capital | 45,744,000 | 41,110,000 | 39,988,000 | 31,419,000 |
| Risk-weighted assets | 365,899,000 | 357,552,000 | 347,331,000 | 328,659,000 |