Call reports 2005
FIRST NATIONAL BANK OF HERMAN, THE — 2005
What FIRST NATIONAL BANK OF HERMAN, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 20,962,000 | 18,608,000 | 18,596,000 | 19,673,000 |
| Total loans | 7,313,000 | 8,101,000 | 7,824,000 | 8,031,000 |
| Allowance for loan losses | 112,000 | 112,000 | 112,000 | 92,000 |
| Securities available for sale | 9,392,000 | 8,958,000 | 8,284,000 | 8,375,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,709,000 | 16,238,000 | 16,251,000 | 17,359,000 |
| Interest-bearing deposits | 13,552,000 | 12,886,000 | 12,402,000 | 12,306,000 |
| Noninterest-bearing deposits | 5,157,000 | 3,352,000 | 3,849,000 | 5,053,000 |
| Equity capital | 1,933,000 | 2,045,000 | 2,006,000 | 1,971,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 232,000 | 469,000 | 707,000 | 953,000 |
| Interest expense | 64,000 | 133,000 | 211,000 | 289,000 |
| Net interest income | 168,000 | 336,000 | 496,000 | 664,000 |
| Noninterest income | 24,000 | 45,000 | 73,000 | 96,000 |
| Noninterest expense | 128,000 | 265,000 | 413,000 | 590,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 64,000 | 116,000 | 156,000 | 170,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 64,000 | 116,000 | 156,000 | 170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,100,000 | 2,106,000 | 2,127,000 | 2,141,000 |
| Total capital | 2,212,000 | 2,218,000 | 2,239,000 | 2,233,000 |
| Risk-weighted assets | 11,402,000 | 11,408,000 | 11,116,000 | 11,291,000 |
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