Call reports 2008
FIRST NATIONAL BANK OF HERMAN, THE — 2008
What FIRST NATIONAL BANK OF HERMAN, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 19,260,000 | 18,845,000 | 19,982,000 | 23,420,000 |
| Total loans | 8,200,000 | 8,382,000 | 8,140,000 | 7,714,000 |
| Allowance for loan losses | 94,000 | 94,000 | 88,000 | 89,000 |
| Securities available for sale | 8,057,000 | 7,415,000 | 7,348,000 | 7,643,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,079,000 | 16,394,000 | 17,450,000 | 20,731,000 |
| Interest-bearing deposits | 11,521,000 | 11,625,000 | 12,227,000 | 11,847,000 |
| Noninterest-bearing deposits | 4,558,000 | 4,769,000 | 5,223,000 | 8,884,000 |
| Equity capital | 2,443,000 | 2,327,000 | 2,415,000 | 2,599,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 301,000 | 563,000 | 825,000 | 1,078,000 |
| Interest expense | 117,000 | 209,000 | 292,000 | 365,000 |
| Net interest income | 184,000 | 354,000 | 533,000 | 713,000 |
| Noninterest income | 23,000 | 49,000 | 76,000 | 98,000 |
| Noninterest expense | 124,000 | 246,000 | 388,000 | 565,000 |
| Provision for loan losses | 0 | 0 | 4,000 | 4,000 |
| Pretax income | 83,000 | 158,000 | 218,000 | 243,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 83,000 | 158,000 | 218,000 | 243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,294,000 | 2,330,000 | 2,370,000 | 2,395,000 |
| Total capital | 2,388,000 | 2,424,000 | 2,458,000 | 2,484,000 |
| Risk-weighted assets | 12,140,000 | 12,149,000 | 12,060,000 | 12,322,000 |
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