Call reports 2009
FIRST NATIONAL BANK OF HERMAN, THE — 2009
What FIRST NATIONAL BANK OF HERMAN, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 21,722,000 | 22,312,000 | 22,281,000 | 22,946,000 |
| Total loans | 6,999,000 | 7,256,000 | 7,413,000 | 7,821,000 |
| Allowance for loan losses | 90,000 | 86,000 | 86,000 | 86,000 |
| Securities available for sale | 8,122,000 | 7,341,000 | 6,368,000 | 6,005,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,011,000 | 19,606,000 | 19,540,000 | 20,257,000 |
| Interest-bearing deposits | 13,561,000 | 13,957,000 | 14,191,000 | 14,183,000 |
| Noninterest-bearing deposits | 5,450,000 | 5,649,000 | 5,349,000 | 6,074,000 |
| Equity capital | 2,627,000 | 2,608,000 | 2,657,000 | 2,620,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 246,000 | 487,000 | 725,000 | 954,000 |
| Interest expense | 68,000 | 132,000 | 191,000 | 243,000 |
| Net interest income | 178,000 | 355,000 | 534,000 | 711,000 |
| Noninterest income | 23,000 | 42,000 | 63,000 | 81,000 |
| Noninterest expense | 127,000 | 261,000 | 400,000 | 601,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 74,000 | 136,000 | 249,000 | 243,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 74,000 | 136,000 | 249,000 | 243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,399,000 | 2,396,000 | 2,467,000 | 2,461,000 |
| Total capital | 2,489,000 | 2,482,000 | 2,553,000 | 2,547,000 |
| Risk-weighted assets | 11,636,000 | 11,807,000 | 11,984,000 | 12,068,000 |
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