Call reports 2015
FIRST NATIONAL BANK IN HOWELL — 2015
What FIRST NATIONAL BANK IN HOWELL reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 324,344,000 | 328,874,000 | 354,542,000 | 346,961,000 |
| Total loans | 162,285,000 | 160,905,000 | 162,195,000 | 170,826,000 |
| Allowance for loan losses | 7,162,000 | 7,465,000 | 6,221,000 | 5,718,000 |
| Securities available for sale | 126,342,000 | 137,142,000 | 149,262,000 | 141,521,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,975,000 | 297,408,000 | 321,128,000 | 313,228,000 |
| Interest-bearing deposits | 252,978,000 | 253,726,000 | 273,050,000 | 268,996,000 |
| Noninterest-bearing deposits | 39,997,000 | 43,682,000 | 48,078,000 | 44,232,000 |
| Equity capital | 30,120,000 | 30,206,000 | 32,173,000 | 32,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,476,000 | 5,066,000 | 7,630,000 | 10,478,000 |
| Interest expense | 140,000 | 277,000 | 413,000 | 550,000 |
| Net interest income | 2,336,000 | 4,789,000 | 7,217,000 | 9,928,000 |
| Noninterest income | 555,000 | 1,094,000 | 1,617,000 | 2,212,000 |
| Noninterest expense | 2,710,000 | 5,366,000 | 8,041,000 | 10,775,000 |
| Provision for loan losses | 0 | 0 | -1,500,000 | -2,250,000 |
| Pretax income | 180,000 | 516,000 | 2,297,000 | 3,619,000 |
| Income tax | 12,000 | 22,000 | 34,000 | 62,000 |
| Net income | 168,000 | 494,000 | 2,263,000 | 3,557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,995,000 | 30,322,000 | 32,090,000 | 33,384,000 |
| Total capital | 32,593,000 | 32,923,000 | 35,036,000 | 36,206,000 |
| Risk-weighted assets | 202,976,000 | 202,947,000 | 220,406,000 | 214,477,000 |