Call reports 2005
HARRISON COUNTY BANK, THE — 2005
What HARRISON COUNTY BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 74,014,000 | 75,986,000 | 76,436,000 | 75,024,000 |
| Total loans | 37,701,000 | 39,842,000 | 41,932,000 | 41,155,000 |
| Allowance for loan losses | 491,000 | 499,000 | 485,000 | 500,000 |
| Securities available for sale | 29,322,000 | 29,662,000 | 27,378,000 | 26,966,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,226,000 | 56,533,000 | 56,087,000 | 56,407,000 |
| Interest-bearing deposits | 47,545,000 | 48,359,000 | 47,134,000 | 47,210,000 |
| Noninterest-bearing deposits | 8,681,000 | 8,174,000 | 8,953,000 | 9,197,000 |
| Equity capital | 5,983,000 | 6,377,000 | 6,466,000 | 6,329,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,002,000 | 2,077,000 | 3,198,000 | 4,319,000 |
| Interest expense | 259,000 | 551,000 | 881,000 | 1,231,000 |
| Net interest income | 743,000 | 1,526,000 | 2,317,000 | 3,088,000 |
| Noninterest income | 77,000 | 167,000 | 263,000 | 396,000 |
| Noninterest expense | 529,000 | 1,070,000 | 1,626,000 | 2,296,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 160,000 |
| Pretax income | 261,000 | 563,000 | 859,000 | 1,023,000 |
| Income tax | 104,000 | 225,000 | 342,000 | 324,000 |
| Net income | 157,000 | 338,000 | 517,000 | 699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,568,000 | 6,623,000 | 6,801,000 | 6,859,000 |
| Total capital | 7,059,000 | 7,122,000 | 7,286,000 | 7,359,000 |
| Risk-weighted assets | 40,962,000 | 42,904,000 | 44,574,000 | 43,749,000 |