Call reports 2005
HERNANDO COUNTY BANK, THE — 2005
What HERNANDO 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 | 54,501,000 | 59,857,000 | 60,029,000 | 63,538,000 |
| Total loans | 42,648,000 | 44,107,000 | 46,664,000 | 47,452,000 |
| Allowance for loan losses | 231,000 | 234,000 | 237,000 | 238,000 |
| Securities available for sale | 6,493,000 | 6,640,000 | 6,564,000 | 5,195,000 |
| Securities held to maturity | 183,000 | 173,000 | 162,000 | 154,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,547,000 | 55,762,000 | 56,010,000 | 59,662,000 |
| Interest-bearing deposits | 36,927,000 | 42,724,000 | 43,386,000 | 45,454,000 |
| Noninterest-bearing deposits | 13,620,000 | 13,038,000 | 12,624,000 | 14,208,000 |
| Equity capital | 3,706,000 | 3,876,000 | 3,811,000 | 3,553,000 |
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 | 799,000 | 1,646,000 | 2,536,000 | 3,453,000 |
| Interest expense | 100,000 | 236,000 | 422,000 | 653,000 |
| Net interest income | 699,000 | 1,410,000 | 2,114,000 | 2,800,000 |
| Noninterest income | 140,000 | 297,000 | 454,000 | 607,000 |
| Noninterest expense | 534,000 | 1,077,000 | 1,624,000 | 2,165,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 302,000 | 624,000 | 935,000 | 1,298,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 302,000 | 624,000 | 935,000 | 1,298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,722,000 | 3,744,000 | 3,755,000 | 3,638,000 |
| Total capital | 3,953,000 | 3,978,000 | 3,992,000 | 3,876,000 |
| Risk-weighted assets | 31,443,000 | 33,898,000 | 34,620,000 | 33,902,000 |