Call reports 2016
FIRST NATIONAL BANK IN HOWELL — 2016
What FIRST NATIONAL BANK IN HOWELL reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 348,897,000 | 361,358,000 | 383,131,000 | 397,603,000 |
| Total loans | 193,017,000 | 190,300,000 | 200,048,000 | 226,507,000 |
| Allowance for loan losses | 5,513,000 | 5,234,000 | 5,383,000 | 4,826,000 |
| Securities available for sale | 138,840,000 | 139,067,000 | 148,205,000 | 141,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,773,000 | 322,273,000 | 342,723,000 | 335,291,000 |
| Interest-bearing deposits | 269,678,000 | 270,497,000 | 288,843,000 | 288,878,000 |
| Noninterest-bearing deposits | 44,095,000 | 51,776,000 | 53,880,000 | 46,413,000 |
| Equity capital | 34,227,000 | 37,427,000 | 38,869,000 | 40,627,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,714,000 | 6,059,000 | 9,316,000 | 12,320,000 |
| Interest expense | 135,000 | 266,000 | 396,000 | 533,000 |
| Net interest income | 2,579,000 | 5,793,000 | 8,920,000 | 11,787,000 |
| Noninterest income | 538,000 | 996,000 | 1,412,000 | 1,973,000 |
| Noninterest expense | 2,685,000 | 5,474,000 | 8,161,000 | 10,871,000 |
| Provision for loan losses | -300,000 | -1,600,000 | -2,350,000 | -3,100,000 |
| Pretax income | 791,000 | 2,990,000 | 4,605,000 | 5,154,000 |
| Income tax | 5,000 | -17,000 | -56,000 | -6,476,000 |
| Net income | 786,000 | 3,007,000 | 4,661,000 | 11,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,170,000 | 36,391,000 | 38,045,000 | 36,507,000 |
| Total capital | 37,186,000 | 39,389,000 | 41,212,000 | 40,125,000 |
| Risk-weighted assets | 231,256,000 | 225,793,000 | 241,958,000 | 264,739,000 |