Call reports 2017
FIRST NATIONAL BANK IN HOWELL — 2017
What FIRST NATIONAL BANK IN HOWELL reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 379,103,000 | 382,261,000 | 391,037,000 | 399,078,000 |
| Total loans | 235,796,000 | 242,523,000 | 258,413,000 | 268,415,000 |
| Allowance for loan losses | 4,890,000 | 4,855,000 | 4,875,000 | 4,897,000 |
| Securities available for sale | 97,328,000 | 95,967,000 | 91,799,000 | 69,696,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 335,534,000 | 338,237,000 | 346,357,000 | 350,739,000 |
| Interest-bearing deposits | 284,890,000 | 282,930,000 | 290,761,000 | 298,449,000 |
| Noninterest-bearing deposits | 50,644,000 | 55,307,000 | 55,596,000 | 52,290,000 |
| Equity capital | 41,636,000 | 42,927,000 | 43,635,000 | 42,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,091,000 | 6,381,000 | 9,828,000 | 13,404,000 |
| Interest expense | 137,000 | 257,000 | 379,000 | 524,000 |
| Net interest income | 2,954,000 | 6,124,000 | 9,449,000 | 12,880,000 |
| Noninterest income | 496,000 | 994,000 | 1,565,000 | 2,269,000 |
| Noninterest expense | 2,713,000 | 5,428,000 | 8,269,000 | 11,189,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 936,000 | 1,889,000 | 2,944,000 | 3,776,000 |
| Income tax | 318,000 | 638,000 | 972,000 | 3,211,000 |
| Net income | 618,000 | 1,251,000 | 1,972,000 | 565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,443,000 | 38,374,000 | 39,451,000 | 39,708,000 |
| Total capital | 41,081,000 | 42,197,000 | 43,450,000 | 43,921,000 |
| Risk-weighted assets | 270,377,000 | 287,473,000 | 299,467,000 | 312,771,000 |