Call reports 2004
HERNANDO COUNTY BANK, THE — 2004
What HERNANDO COUNTY BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 53,629,000 | 53,437,000 | 53,067,000 | 52,257,000 |
| Total loans | 35,743,000 | 37,517,000 | 39,706,000 | 40,724,000 |
| Allowance for loan losses | 219,000 | 222,000 | 225,000 | 228,000 |
| Securities available for sale | 3,892,000 | 6,542,000 | 6,741,000 | 6,662,000 |
| Securities held to maturity | 241,000 | 223,000 | 210,000 | 192,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,518,000 | 49,612,000 | 48,996,000 | 48,652,000 |
| Interest-bearing deposits | 36,946,000 | 37,005,000 | 36,125,000 | 36,668,000 |
| Noninterest-bearing deposits | 12,572,000 | 12,607,000 | 12,871,000 | 11,984,000 |
| Equity capital | 3,896,000 | 3,688,000 | 3,944,000 | 3,562,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 694,000 | 1,417,000 | 2,174,000 | 2,951,000 |
| Interest expense | 97,000 | 191,000 | 286,000 | 377,000 |
| Net interest income | 597,000 | 1,226,000 | 1,888,000 | 2,574,000 |
| Noninterest income | 154,000 | 310,000 | 483,000 | 633,000 |
| Noninterest expense | 520,000 | 1,036,000 | 1,551,000 | 2,078,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 228,000 | 494,000 | 811,000 | 1,117,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 228,000 | 494,000 | 811,000 | 1,117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,626,000 | 3,672,000 | 3,724,000 | 3,420,000 |
| Total capital | 3,845,000 | 3,894,000 | 3,949,000 | 3,648,000 |
| Risk-weighted assets | 27,847,000 | 28,400,000 | 29,003,000 | 29,570,000 |