Call reports 2004
FIRST NATIONAL BANK OF HERMAN, THE — 2004
What FIRST NATIONAL BANK OF HERMAN, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 20,542,000 | 18,712,000 | 19,251,000 | 22,081,000 |
| Total loans | 7,143,000 | 7,704,000 | 7,558,000 | 8,004,000 |
| Allowance for loan losses | 111,000 | 111,000 | 112,000 | 112,000 |
| Securities available for sale | 10,469,000 | 9,135,000 | 8,765,000 | 9,421,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,019,000 | 16,447,000 | 16,828,000 | 19,715,000 |
| Interest-bearing deposits | 13,031,000 | 12,703,000 | 12,508,000 | 13,311,000 |
| Noninterest-bearing deposits | 4,988,000 | 3,744,000 | 4,320,000 | 6,404,000 |
| Equity capital | 2,209,000 | 1,956,000 | 2,112,000 | 2,053,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 235,000 | 462,000 | 682,000 | 912,000 |
| Interest expense | 60,000 | 117,000 | 173,000 | 233,000 |
| Net interest income | 175,000 | 345,000 | 509,000 | 679,000 |
| Noninterest income | 25,000 | 55,000 | 85,000 | 112,000 |
| Noninterest expense | 127,000 | 262,000 | 413,000 | 606,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 73,000 | 138,000 | 185,000 | 189,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 73,000 | 138,000 | 185,000 | 189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,043,000 | 2,060,000 | 2,083,000 | 2,087,000 |
| Total capital | 2,154,000 | 2,171,000 | 2,195,000 | 2,199,000 |
| Risk-weighted assets | 10,863,000 | 11,048,000 | 11,017,000 | 12,041,000 |
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