Call reports 2007
FIRST NATIONAL BANK OF HERMAN, THE — 2007
What FIRST NATIONAL BANK OF HERMAN, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 20,495,000 | 19,591,000 | 19,585,000 | 21,469,000 |
| Total loans | 9,493,000 | 9,589,000 | 9,102,000 | 8,773,000 |
| Allowance for loan losses | 112,000 | 118,000 | 93,000 | 94,000 |
| Securities available for sale | 7,345,000 | 7,017,000 | 7,260,000 | 8,573,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,252,000 | 17,334,000 | 17,186,000 | 19,011,000 |
| Interest-bearing deposits | 13,946,000 | 13,333,000 | 12,915,000 | 13,484,000 |
| Noninterest-bearing deposits | 4,306,000 | 4,001,000 | 4,271,000 | 5,527,000 |
| Equity capital | 2,112,000 | 2,115,000 | 2,229,000 | 2,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 289,000 | 590,000 | 884,000 | 1,201,000 |
| Interest expense | 124,000 | 258,000 | 387,000 | 516,000 |
| Net interest income | 165,000 | 332,000 | 497,000 | 685,000 |
| Noninterest income | 24,000 | 52,000 | 80,000 | 100,000 |
| Noninterest expense | 140,000 | 273,000 | 408,000 | 590,000 |
| Provision for loan losses | 0 | 6,000 | 6,000 | 6,000 |
| Pretax income | 49,000 | 105,000 | 145,000 | 174,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 49,000 | 104,000 | 144,000 | 173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,183,000 | 2,207,000 | 2,231,000 | 2,260,000 |
| Total capital | 2,295,000 | 2,325,000 | 2,324,000 | 2,354,000 |
| Risk-weighted assets | 13,093,000 | 12,907,000 | 12,576,000 | 12,696,000 |
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