Call reports 2012
FIRST NATIONAL BANK IN HOWELL — 2012
What FIRST NATIONAL BANK IN HOWELL reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 285,897,000 | 291,571,000 | 305,911,000 | 296,866,000 |
| Total loans | 203,822,000 | 192,479,000 | 186,871,000 | 180,182,000 |
| Allowance for loan losses | 11,763,000 | 12,162,000 | 11,765,000 | 11,769,000 |
| Securities available for sale | 50,158,000 | 70,969,000 | 77,618,000 | 72,586,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 277,666,000 | 283,288,000 | 297,324,000 | 287,812,000 |
| Interest-bearing deposits | 245,214,000 | 248,354,000 | 259,849,000 | 254,732,000 |
| Noninterest-bearing deposits | 32,452,000 | 34,934,000 | 37,475,000 | 33,080,000 |
| Equity capital | 6,856,000 | 6,914,000 | 7,252,000 | 7,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,946,000 | 5,788,000 | 8,546,000 | 11,196,000 |
| Interest expense | 308,000 | 584,000 | 847,000 | 1,092,000 |
| Net interest income | 2,638,000 | 5,204,000 | 7,699,000 | 10,104,000 |
| Noninterest income | 700,000 | 1,384,000 | 2,126,000 | 2,923,000 |
| Noninterest expense | 2,812,000 | 5,657,000 | 8,469,000 | 11,316,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,200,000 | 1,325,000 |
| Pretax income | 76,000 | 28,000 | 153,000 | 383,000 |
| Income tax | 0 | 0 | -19,000 | -104,000 |
| Net income | 76,000 | 28,000 | 172,000 | 487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,116,000 | 7,070,000 | 7,215,000 | 7,531,000 |
| Total capital | 9,927,000 | 9,876,000 | 9,966,000 | 10,186,000 |
| Risk-weighted assets | 215,589,000 | 214,817,000 | 210,768,000 | 202,986,000 |