Call reports 2014
FIRST NATIONAL BANK IN HOWELL — 2014
What FIRST NATIONAL BANK IN HOWELL reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 314,309,000 | 318,357,000 | 320,945,000 | 321,467,000 |
| Total loans | 161,493,000 | 159,665,000 | 157,806,000 | 160,046,000 |
| Allowance for loan losses | 9,239,000 | 9,462,000 | 6,962,000 | 7,109,000 |
| Securities available for sale | 105,357,000 | 120,674,000 | 137,674,000 | 132,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,863,000 | 290,417,000 | 290,454,000 | 290,535,000 |
| Interest-bearing deposits | 251,523,000 | 249,746,000 | 248,095,000 | 251,845,000 |
| Noninterest-bearing deposits | 35,340,000 | 40,671,000 | 42,359,000 | 38,690,000 |
| Equity capital | 26,499,000 | 26,939,000 | 29,217,000 | 29,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,521,000 | 5,212,000 | 7,877,000 | 10,397,000 |
| Interest expense | 208,000 | 385,000 | 553,000 | 703,000 |
| Net interest income | 2,313,000 | 4,827,000 | 7,324,000 | 9,694,000 |
| Noninterest income | 624,000 | 1,216,000 | 1,860,000 | 2,469,000 |
| Noninterest expense | 2,848,000 | 5,786,000 | 8,867,000 | 11,461,000 |
| Provision for loan losses | 0 | 0 | -2,500,000 | -2,500,000 |
| Pretax income | 89,000 | 259,000 | 2,819,000 | 3,204,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 20,000 |
| Net income | 84,000 | 254,000 | 2,814,000 | 3,184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,728,000 | 26,898,000 | 29,458,000 | 29,828,000 |
| Total capital | 29,257,000 | 29,422,000 | 31,941,000 | 32,346,000 |
| Risk-weighted assets | 195,299,000 | 194,724,000 | 193,860,000 | 196,509,000 |
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