Call reports 2018
FIRST NATIONAL BANK IN HOWELL — 2018
What FIRST NATIONAL BANK IN HOWELL reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 384,740,000 | 388,482,000 | 393,063,000 | 408,234,000 |
| Total loans | 275,172,000 | 299,683,000 | 318,049,000 | 326,126,000 |
| Allowance for loan losses | 4,965,000 | 5,401,000 | 5,425,000 | 5,655,000 |
| Securities available for sale | 66,753,000 | 50,504,000 | 38,687,000 | 38,013,000 |
| Securities held to maturity | 0 | 3,500,000 | 3,500,000 | 3,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 341,614,000 | 344,366,000 | 347,922,000 | 361,087,000 |
| Interest-bearing deposits | 283,395,000 | 285,032,000 | 289,575,000 | 306,424,000 |
| Noninterest-bearing deposits | 58,219,000 | 59,334,000 | 58,347,000 | 54,663,000 |
| Equity capital | 42,087,000 | 42,846,000 | 43,750,000 | 45,482,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,687,000 | 7,531,000 | 11,604,000 | 16,254,000 |
| Interest expense | 114,000 | 239,000 | 379,000 | 534,000 |
| Net interest income | 3,573,000 | 7,292,000 | 11,225,000 | 15,720,000 |
| Noninterest income | 665,000 | 1,326,000 | 2,125,000 | 2,838,000 |
| Noninterest expense | 3,142,000 | 6,347,000 | 9,744,000 | 13,161,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 922,000 | 1,589,000 | 2,209,000 | 4,118,000 |
| Income tax | 179,000 | 306,000 | 426,000 | 824,000 |
| Net income | 743,000 | 1,283,000 | 1,783,000 | 3,294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,172,000 | 41,838,000 | 42,458,000 | 44,373,000 |
| Total capital | 45,213,000 | 46,162,000 | 47,009,000 | 49,111,000 |
| Risk-weighted assets | 322,086,000 | 344,604,000 | 362,962,000 | 377,860,000 |