Call reports 2003
FIRST NATIONAL BANK OF HERMAN, THE — 2003
What FIRST NATIONAL BANK OF HERMAN, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 16,820,000 | 17,089,000 | 18,920,000 | 20,574,000 |
| Total loans | 6,708,000 | 7,389,000 | 7,755,000 | 7,664,000 |
| Allowance for loan losses | 114,000 | 113,000 | 112,000 | 112,000 |
| Securities available for sale | 7,149,000 | 7,209,000 | 8,443,000 | 10,007,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,111,000 | 14,350,000 | 16,258,000 | 17,919,000 |
| Interest-bearing deposits | 9,786,000 | 10,501,000 | 11,140,000 | 12,634,000 |
| Noninterest-bearing deposits | 4,325,000 | 3,849,000 | 5,118,000 | 5,285,000 |
| Equity capital | 2,138,000 | 2,172,000 | 2,099,000 | 2,091,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 225,000 | 451,000 | 675,000 | 913,000 |
| Interest expense | 58,000 | 116,000 | 173,000 | 232,000 |
| Net interest income | 167,000 | 335,000 | 502,000 | 681,000 |
| Noninterest income | 24,000 | 45,000 | 70,000 | 92,000 |
| Noninterest expense | 119,000 | 238,000 | 391,000 | 597,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 82,000 | 163,000 | 202,000 | 197,000 |
| Income tax | 0 | 3,000 | 5,000 | 7,000 |
| Net income | 82,000 | 160,000 | 197,000 | 190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,964,000 | 1,990,000 | 2,001,000 | 1,994,000 |
| Total capital | 2,078,000 | 2,103,000 | 2,113,000 | 2,106,000 |
| Risk-weighted assets | 9,512,000 | 10,050,000 | 10,731,000 | 10,924,000 |
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