Call reports 2009
FIRST NATIONAL BANK IN HOWELL — 2009
What FIRST NATIONAL BANK IN HOWELL reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 377,598,000 | 361,511,000 | 345,853,000 | 332,495,000 |
| Total loans | 308,963,000 | 297,078,000 | 284,275,000 | 274,046,000 |
| Allowance for loan losses | 13,081,000 | 20,699,000 | 19,449,000 | 18,665,000 |
| Securities available for sale | 39,634,000 | 32,574,000 | 24,606,000 | 22,706,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 347,694,000 | 343,533,000 | 329,078,000 | 315,331,000 |
| Interest-bearing deposits | 318,932,000 | 309,202,000 | 299,092,000 | 282,591,000 |
| Noninterest-bearing deposits | 28,762,000 | 34,331,000 | 29,986,000 | 32,740,000 |
| Equity capital | 27,130,000 | 15,002,000 | 14,049,000 | 14,386,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,999,000 | 9,713,000 | 14,140,000 | 18,141,000 |
| Interest expense | 1,369,000 | 2,639,000 | 3,742,000 | 4,631,000 |
| Net interest income | 3,630,000 | 7,074,000 | 10,398,000 | 13,510,000 |
| Noninterest income | 531,000 | 947,000 | 1,940,000 | 2,543,000 |
| Noninterest expense | 3,575,000 | 7,370,000 | 11,369,000 | 14,994,000 |
| Provision for loan losses | 1,200,000 | 12,897,000 | 14,647,000 | 15,847,000 |
| Pretax income | -614,000 | -12,169,000 | -13,586,000 | -14,686,000 |
| Income tax | 0 | 468,000 | 468,000 | -1,084,000 |
| Net income | -614,000 | -12,637,000 | -14,054,000 | -13,602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,569,000 | 15,239,000 | 13,624,000 | 14,275,000 |
| Total capital | 30,750,000 | 19,223,000 | 17,453,000 | 17,933,000 |
| Risk-weighted assets | 325,286,000 | 301,711,000 | 290,241,000 | 277,433,000 |