Call reports 2007
HERNANDO COUNTY BANK, THE — 2007
What HERNANDO COUNTY BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 54,352,000 | 53,400,000 | 53,990,000 | 54,407,000 |
| Total loans | 44,628,000 | 43,262,000 | 42,526,000 | 41,735,000 |
| Allowance for loan losses | 251,000 | 252,000 | 250,000 | 250,000 |
| Securities available for sale | 3,933,000 | 3,866,000 | 3,955,000 | 4,036,000 |
| Securities held to maturity | 112,000 | 102,000 | 97,000 | 93,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,539,000 | 47,703,000 | 48,177,000 | 48,683,000 |
| Interest-bearing deposits | 36,941,000 | 37,635,000 | 38,040,000 | 38,674,000 |
| Noninterest-bearing deposits | 11,598,000 | 10,068,000 | 10,137,000 | 10,009,000 |
| Equity capital | 3,654,000 | 3,581,000 | 3,648,000 | 3,619,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 812,000 | 1,642,000 | 2,462,000 | 3,279,000 |
| Interest expense | 260,000 | 551,000 | 866,000 | 1,199,000 |
| Net interest income | 552,000 | 1,091,000 | 1,596,000 | 2,080,000 |
| Noninterest income | 158,000 | 319,000 | 477,000 | 630,000 |
| Noninterest expense | 562,000 | 1,132,000 | 1,692,000 | 2,238,000 |
| Provision for loan losses | 2,000 | 3,000 | 3,000 | 3,000 |
| Pretax income | 146,000 | 275,000 | 378,000 | 469,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 146,000 | 275,000 | 378,000 | 469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,715,000 | 3,699,000 | 3,676,000 | 3,568,000 |
| Total capital | 3,966,000 | 3,951,000 | 3,926,000 | 3,818,000 |
| Risk-weighted assets | 32,937,000 | 31,893,000 | 31,125,000 | 30,889,000 |