Call reports 2009
FIRST NATIONAL BANK OF HEREFORD, THE — 2009
What FIRST NATIONAL BANK OF HEREFORD, 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 | 103,325,000 | 104,804,000 | 106,745,000 | 105,858,000 |
| Total loans | 80,785,000 | 83,626,000 | 83,247,000 | 83,315,000 |
| Allowance for loan losses | 918,000 | 956,000 | 993,000 | 1,008,000 |
| Securities available for sale | 11,020,000 | 10,807,000 | 11,091,000 | 10,660,000 |
| Securities held to maturity | 1,242,000 | 1,242,000 | 1,242,000 | 1,242,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,762,000 | 88,662,000 | 96,442,000 | 91,973,000 |
| Interest-bearing deposits | 69,829,000 | 71,206,000 | 75,140,000 | 70,636,000 |
| Noninterest-bearing deposits | 19,933,000 | 17,456,000 | 21,302,000 | 21,337,000 |
| Equity capital | 9,023,000 | 9,431,000 | 9,680,000 | 10,221,000 |
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 | 1,316,000 | 2,658,000 | 3,993,000 | 5,327,000 |
| Interest expense | 320,000 | 616,000 | 905,000 | 1,175,000 |
| Net interest income | 996,000 | 2,042,000 | 3,088,000 | 4,152,000 |
| Noninterest income | 133,000 | 273,000 | 412,000 | 607,000 |
| Noninterest expense | 722,000 | 1,497,000 | 2,252,000 | 3,015,000 |
| Provision for loan losses | 27,000 | 70,000 | 107,000 | 122,000 |
| Pretax income | 389,000 | 757,000 | 1,150,000 | 1,561,000 |
| Income tax | 161,000 | 285,000 | 415,000 | 395,000 |
| Net income | 228,000 | 472,000 | 735,000 | 1,166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,640,000 | 9,884,000 | 10,147,000 | 10,577,000 |
| Total capital | 10,558,000 | 10,840,000 | 11,140,000 | 11,585,000 |
| Risk-weighted assets | 86,326,000 | 88,276,000 | 88,162,000 | 89,230,000 |
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