Call reports 2003
HENRY COUNTY BANK, THE — 2003
What HENRY 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 | 177,686,000 | 178,557,000 | 188,678,000 | 190,387,000 |
| Total loans | 107,595,000 | 111,350,000 | 114,810,000 | 116,503,000 |
| Allowance for loan losses | 1,435,000 | 1,550,000 | 1,500,000 | 1,600,000 |
| Securities available for sale | 60,523,000 | 58,208,000 | 62,980,000 | 64,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,027,000 | 139,402,000 | 144,964,000 | 145,908,000 |
| Interest-bearing deposits | 126,164,000 | 125,676,000 | 132,363,000 | 131,376,000 |
| Noninterest-bearing deposits | 12,863,000 | 13,726,000 | 12,601,000 | 14,532,000 |
| Equity capital | 18,046,000 | 18,457,000 | 18,428,000 | 18,790,000 |
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 | 2,403,000 | 4,840,000 | 7,208,000 | 9,719,000 |
| Interest expense | 737,000 | 1,478,000 | 2,189,000 | 2,899,000 |
| Net interest income | 1,666,000 | 3,362,000 | 5,019,000 | 6,820,000 |
| Noninterest income | 210,000 | 443,000 | 688,000 | 1,042,000 |
| Noninterest expense | 1,082,000 | 2,182,000 | 3,315,000 | 4,624,000 |
| Provision for loan losses | 50,000 | 168,000 | 233,000 | 337,000 |
| Pretax income | 917,000 | 1,631,000 | 2,335,000 | 3,095,000 |
| Income tax | 247,000 | 431,000 | 608,000 | 754,000 |
| Net income | 670,000 | 1,200,000 | 1,727,000 | 2,341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,125,000 | 17,405,000 | 17,935,000 | 18,131,000 |
| Total capital | 18,524,000 | 18,801,000 | 19,393,000 | 19,617,000 |
| Risk-weighted assets | 111,845,000 | 111,555,000 | 116,635,000 | 118,753,000 |