Call reports 2013
FIRST NATIONAL BANK IN HOWELL — 2013
What FIRST NATIONAL BANK IN HOWELL reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 295,315,000 | 298,922,000 | 301,684,000 | 311,229,000 |
| Total loans | 171,481,000 | 169,260,000 | 167,107,000 | 165,115,000 |
| Allowance for loan losses | 9,504,000 | 9,434,000 | 9,168,000 | 9,214,000 |
| Securities available for sale | 84,553,000 | 77,905,000 | 72,162,000 | 67,680,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,533,000 | 287,538,000 | 290,703,000 | 285,433,000 |
| Interest-bearing deposits | 250,040,000 | 247,838,000 | 252,746,000 | 250,389,000 |
| Noninterest-bearing deposits | 33,493,000 | 39,700,000 | 37,957,000 | 35,044,000 |
| Equity capital | 10,490,000 | 9,789,000 | 9,548,000 | 24,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,764,000 | 5,362,000 | 8,062,000 | 10,603,000 |
| Interest expense | 235,000 | 466,000 | 698,000 | 925,000 |
| Net interest income | 2,529,000 | 4,896,000 | 7,364,000 | 9,678,000 |
| Noninterest income | 689,000 | 1,384,000 | 2,104,000 | 2,813,000 |
| Noninterest expense | 2,835,000 | 5,731,000 | 8,633,000 | 11,603,000 |
| Provision for loan losses | -2,250,000 | -2,250,000 | -2,250,000 | -2,250,000 |
| Pretax income | 2,633,000 | 2,799,000 | 3,085,000 | 3,138,000 |
| Income tax | -42,000 | 104,000 | 104,000 | 104,000 |
| Net income | 2,675,000 | 2,695,000 | 2,981,000 | 3,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,206,000 | 10,226,000 | 10,512,000 | 26,052,000 |
| Total capital | 12,796,000 | 12,782,000 | 13,046,000 | 28,593,000 |
| Risk-weighted assets | 200,020,000 | 197,341,000 | 195,776,000 | 196,310,000 |