Call reports 2011
FIRST NATIONAL BANK OF HEREFORD, THE — 2011
What FIRST NATIONAL BANK OF HEREFORD, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 117,079,000 | 121,699,000 | 127,900,000 | 128,736,000 |
| Total loans | 82,925,000 | 86,618,000 | 89,877,000 | 87,919,000 |
| Allowance for loan losses | 1,138,000 | 1,123,000 | 1,220,000 | 1,030,000 |
| Securities available for sale | 14,175,000 | 14,576,000 | 14,367,000 | 16,910,000 |
| Securities held to maturity | 827,000 | 1,067,000 | 1,067,000 | 1,067,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,974,000 | 106,227,000 | 112,090,000 | 111,256,000 |
| Interest-bearing deposits | 77,974,000 | 80,822,000 | 80,540,000 | 78,492,000 |
| Noninterest-bearing deposits | 25,000,000 | 25,405,000 | 31,551,000 | 32,764,000 |
| Equity capital | 11,218,000 | 11,664,000 | 12,068,000 | 11,350,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,272,000 | 2,581,000 | 3,936,000 | 5,259,000 |
| Interest expense | 213,000 | 413,000 | 602,000 | 774,000 |
| Net interest income | 1,059,000 | 2,168,000 | 3,334,000 | 4,485,000 |
| Noninterest income | 127,000 | 276,000 | 426,000 | 585,000 |
| Noninterest expense | 805,000 | 1,605,000 | 2,352,000 | 3,236,000 |
| Provision for loan losses | 15,000 | 30,000 | 127,000 | 304,000 |
| Pretax income | 327,000 | 736,000 | 1,180,000 | 1,384,000 |
| Income tax | 166,000 | 181,000 | 141,000 | 214,000 |
| Net income | 161,000 | 555,000 | 1,039,000 | 1,170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,352,000 | 11,610,000 | 11,925,000 | 11,230,000 |
| Total capital | 12,435,000 | 12,733,000 | 13,093,000 | 12,260,000 |
| Risk-weighted assets | 87,379,000 | 91,458,000 | 95,472,000 | 94,926,000 |
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