Call reports 2003
HERNANDO COUNTY BANK, THE — 2003
What HERNANDO COUNTY BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 50,872,000 | 49,865,000 | 51,052,000 | 53,326,000 |
| Total loans | 36,395,000 | 35,697,000 | 35,287,000 | 35,433,000 |
| Allowance for loan losses | 199,000 | 208,000 | 213,000 | 216,000 |
| Securities available for sale | 2,968,000 | 4,033,000 | 3,852,000 | 3,850,000 |
| Securities held to maturity | 714,000 | 655,000 | 276,000 | 256,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,819,000 | 45,730,000 | 47,011,000 | 49,649,000 |
| Interest-bearing deposits | 36,308,000 | 35,351,000 | 36,729,000 | 37,877,000 |
| Noninterest-bearing deposits | 10,511,000 | 10,379,000 | 10,282,000 | 11,772,000 |
| Equity capital | 3,889,000 | 3,952,000 | 3,885,000 | 3,622,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 757,000 | 1,483,000 | 2,200,000 | 2,902,000 |
| Interest expense | 155,000 | 292,000 | 411,000 | 519,000 |
| Net interest income | 602,000 | 1,191,000 | 1,789,000 | 2,383,000 |
| Noninterest income | 145,000 | 305,000 | 468,000 | 633,000 |
| Noninterest expense | 470,000 | 989,000 | 1,476,000 | 1,957,000 |
| Provision for loan losses | 9,000 | 18,000 | 23,000 | 26,000 |
| Pretax income | 268,000 | 489,000 | 758,000 | 1,033,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 268,000 | 489,000 | 758,000 | 1,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,648,000 | 3,604,000 | 3,663,000 | 3,398,000 |
| Total capital | 3,847,000 | 3,812,000 | 3,876,000 | 3,614,000 |
| Risk-weighted assets | 27,475,000 | 26,886,000 | 26,860,000 | 27,491,000 |