Call reports 2020
FIRST NATIONAL BANK IN HOWELL — 2020
What FIRST NATIONAL BANK IN HOWELL reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 429,946,000 | 508,905,000 | 540,945,000 | 550,634,000 |
| Total loans | 363,953,000 | 410,988,000 | 400,833,000 | 387,286,000 |
| Allowance for loan losses | 5,906,000 | 6,538,000 | 7,033,000 | 7,630,000 |
| Securities available for sale | 28,764,000 | 27,164,000 | 21,907,000 | 50,035,000 |
| Securities held to maturity | 3,500,000 | 3,500,000 | 3,500,000 | 3,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 374,630,000 | 450,443,000 | 479,390,000 | 487,865,000 |
| Interest-bearing deposits | 305,801,000 | 356,572,000 | 383,113,000 | 396,052,000 |
| Noninterest-bearing deposits | 68,829,000 | 93,871,000 | 96,277,000 | 91,813,000 |
| Equity capital | 53,924,000 | 55,841,000 | 57,707,000 | 59,522,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,818,000 | 10,023,000 | 15,412,000 | 20,741,000 |
| Interest expense | 263,000 | 513,000 | 745,000 | 937,000 |
| Net interest income | 4,555,000 | 9,510,000 | 14,667,000 | 19,804,000 |
| Noninterest income | 988,000 | 2,340,000 | 3,889,000 | 5,205,000 |
| Noninterest expense | 3,769,000 | 7,542,000 | 11,519,000 | 15,331,000 |
| Provision for loan losses | 0 | 500,000 | 1,000,000 | 1,500,000 |
| Pretax income | 1,774,000 | 3,810,000 | 6,182,000 | 8,323,000 |
| Income tax | 361,000 | 775,000 | 1,260,000 | 1,694,000 |
| Net income | 1,413,000 | 3,035,000 | 4,922,000 | 6,629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,692,000 | 55,456,000 | 57,343,000 | 59,050,000 |
| Total capital | 58,808,000 | 60,411,000 | 62,150,000 | 64,078,000 |
| Risk-weighted assets | 408,246,000 | 394,544,000 | 382,083,000 | 399,394,000 |