Call reports 2010
FIRST NATIONAL BANK IN HOWELL — 2010
What FIRST NATIONAL BANK IN HOWELL reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 313,629,000 | 304,644,000 | 308,833,000 | 305,402,000 |
| Total loans | 261,652,000 | 249,655,000 | 241,443,000 | 235,938,000 |
| Allowance for loan losses | 15,800,000 | 13,857,000 | 13,015,000 | 13,970,000 |
| Securities available for sale | 21,800,000 | 20,197,000 | 22,769,000 | 27,270,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,774,000 | 289,790,000 | 294,617,000 | 293,411,000 |
| Interest-bearing deposits | 266,996,000 | 241,191,000 | 265,282,000 | 261,928,000 |
| Noninterest-bearing deposits | 30,778,000 | 48,599,000 | 29,335,000 | 31,483,000 |
| Equity capital | 13,899,000 | 12,900,000 | 12,361,000 | 10,186,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,777,000 | 7,399,000 | 10,927,000 | 14,424,000 |
| Interest expense | 710,000 | 1,369,000 | 1,983,000 | 2,496,000 |
| Net interest income | 3,067,000 | 6,030,000 | 8,944,000 | 11,928,000 |
| Noninterest income | 773,000 | 1,409,000 | 2,063,000 | 2,649,000 |
| Noninterest expense | 3,307,000 | 6,528,000 | 9,638,000 | 12,706,000 |
| Provision for loan losses | 1,200,000 | 2,400,000 | 3,600,000 | 5,975,000 |
| Pretax income | -667,000 | -1,489,000 | -2,231,000 | -3,775,000 |
| Income tax | -61,000 | -1,000 | -70,000 | 57,000 |
| Net income | -606,000 | -1,488,000 | -2,161,000 | -3,832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,669,000 | 12,767,000 | 12,103,000 | 10,442,000 |
| Total capital | 17,204,000 | 16,134,000 | 15,412,000 | 13,632,000 |
| Risk-weighted assets | 270,243,000 | 258,599,000 | 254,754,000 | 244,121,000 |