Call reports 2010
FIRST NATIONAL BANK OF HEREFORD, THE — 2010
What FIRST NATIONAL BANK OF HEREFORD, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 106,784,000 | 113,394,000 | 114,947,000 | 128,482,000 |
| Total loans | 84,713,000 | 82,227,000 | 81,093,000 | 81,466,000 |
| Allowance for loan losses | 1,056,000 | 1,152,000 | 1,104,000 | 1,122,000 |
| Securities available for sale | 10,198,000 | 9,756,000 | 9,362,000 | 7,991,000 |
| Securities held to maturity | 1,216,000 | 1,575,000 | 1,575,000 | 1,205,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,860,000 | 100,156,000 | 101,408,000 | 114,675,000 |
| Interest-bearing deposits | 76,297,000 | 77,291,000 | 77,201,000 | 78,039,000 |
| Noninterest-bearing deposits | 17,563,000 | 22,865,000 | 24,207,000 | 36,636,000 |
| Equity capital | 10,467,000 | 10,768,000 | 11,044,000 | 11,293,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,332,000 | 2,649,000 | 3,973,000 | 5,256,000 |
| Interest expense | 245,000 | 509,000 | 775,000 | 1,016,000 |
| Net interest income | 1,087,000 | 2,140,000 | 3,198,000 | 4,240,000 |
| Noninterest income | 143,000 | 281,000 | 420,000 | 564,000 |
| Noninterest expense | 827,000 | 1,615,000 | 2,400,000 | 3,191,000 |
| Provision for loan losses | 49,000 | 165,000 | 180,000 | 194,000 |
| Pretax income | 354,000 | 584,000 | 934,000 | 1,308,000 |
| Income tax | 116,000 | 188,000 | 346,000 | 495,000 |
| Net income | 238,000 | 396,000 | 588,000 | 813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,815,000 | 10,974,000 | 11,165,000 | 11,390,000 |
| Total capital | 11,871,000 | 12,076,000 | 12,245,000 | 12,474,000 |
| Risk-weighted assets | 90,770,000 | 90,607,000 | 87,322,000 | 87,504,000 |
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