Call reports 2011
FIRST NATIONAL BANK IN HOWELL — 2011
What FIRST NATIONAL BANK IN HOWELL reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 293,597,000 | 290,586,000 | 296,222,000 | 292,121,000 |
| Total loans | 231,886,000 | 220,273,000 | 216,643,000 | 208,844,000 |
| Allowance for loan losses | 13,734,000 | 13,054,000 | 13,110,000 | 12,690,000 |
| Securities available for sale | 42,289,000 | 41,033,000 | 45,132,000 | 32,325,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,831,000 | 281,450,000 | 287,564,000 | 283,768,000 |
| Interest-bearing deposits | 248,978,000 | 244,070,000 | 250,602,000 | 252,735,000 |
| Noninterest-bearing deposits | 32,853,000 | 37,380,000 | 36,962,000 | 31,033,000 |
| Equity capital | 10,055,000 | 7,525,000 | 7,267,000 | 6,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,265,000 | 6,598,000 | 9,748,000 | 12,864,000 |
| Interest expense | 451,000 | 851,000 | 1,225,000 | 1,571,000 |
| Net interest income | 2,814,000 | 5,747,000 | 8,523,000 | 11,293,000 |
| Noninterest income | 650,000 | 1,310,000 | 1,794,000 | 2,474,000 |
| Noninterest expense | 2,873,000 | 5,604,000 | 8,397,000 | 11,268,000 |
| Provision for loan losses | 800,000 | 4,600,000 | 5,400,000 | 6,200,000 |
| Pretax income | -209,000 | -3,147,000 | -3,556,000 | -3,365,000 |
| Income tax | 0 | -78,000 | -129,000 | 0 |
| Net income | -209,000 | -3,069,000 | -3,427,000 | -3,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,234,000 | 7,374,000 | 7,017,000 | 7,078,000 |
| Total capital | 13,359,000 | 10,404,000 | 10,015,000 | 9,987,000 |
| Risk-weighted assets | 239,085,000 | 232,087,000 | 229,430,000 | 222,640,000 |