Call reports 2019
FIRST NATIONAL BANK IN HOWELL — 2019
What FIRST NATIONAL BANK IN HOWELL reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 409,781,000 | 415,401,000 | 430,911,000 | 431,113,000 |
| Total loans | 333,135,000 | 340,755,000 | 358,089,000 | 360,489,000 |
| Allowance for loan losses | 5,595,000 | 5,808,000 | 6,062,000 | 5,911,000 |
| Securities available for sale | 37,482,000 | 37,481,000 | 35,424,000 | 29,754,000 |
| Securities held to maturity | 3,500,000 | 3,500,000 | 3,500,000 | 3,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 361,385,000 | 364,569,000 | 363,180,000 | 376,353,000 |
| Interest-bearing deposits | 302,627,000 | 297,188,000 | 293,450,000 | 304,890,000 |
| Noninterest-bearing deposits | 58,758,000 | 67,381,000 | 69,730,000 | 71,463,000 |
| Equity capital | 46,947,000 | 49,006,000 | 50,764,000 | 52,436,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,404,000 | 9,077,000 | 13,999,000 | 19,006,000 |
| Interest expense | 201,000 | 453,000 | 749,000 | 1,043,000 |
| Net interest income | 4,203,000 | 8,624,000 | 13,250,000 | 17,963,000 |
| Noninterest income | 761,000 | 1,549,000 | 2,532,000 | 3,741,000 |
| Noninterest expense | 3,667,000 | 7,257,000 | 10,880,000 | 14,590,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,414,000 | 3,361,000 | 5,402,000 | 7,523,000 |
| Income tax | 284,000 | 682,000 | 1,098,000 | 1,539,000 |
| Net income | 1,130,000 | 2,679,000 | 4,304,000 | 5,984,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,736,000 | 48,192,000 | 50,213,000 | 52,296,000 |
| Total capital | 50,548,000 | 53,126,000 | 55,349,000 | 57,387,000 |
| Risk-weighted assets | 383,888,000 | 393,588,000 | 409,726,000 | 406,230,000 |