Call reports 2004
HENRY COUNTY BANK, THE — 2004
What HENRY 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 | 190,920,000 | 195,540,000 | 197,256,000 | 197,661,000 |
| Total loans | 115,925,000 | 121,585,000 | 124,129,000 | 122,651,000 |
| Allowance for loan losses | 1,650,000 | 1,675,000 | 1,677,000 | 1,750,000 |
| Securities available for sale | 65,777,000 | 62,872,000 | 62,015,000 | 62,744,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,627,000 | 143,201,000 | 147,462,000 | 148,831,000 |
| Interest-bearing deposits | 135,221,000 | 129,513,000 | 134,226,000 | 133,667,000 |
| Noninterest-bearing deposits | 13,406,000 | 13,688,000 | 13,236,000 | 15,164,000 |
| Equity capital | 19,651,000 | 18,435,000 | 19,839,000 | 17,438,000 |
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 | 2,473,000 | 4,921,000 | 7,441,000 | 9,969,000 |
| Interest expense | 677,000 | 1,345,000 | 2,085,000 | 2,882,000 |
| Net interest income | 1,796,000 | 3,576,000 | 5,356,000 | 7,087,000 |
| Noninterest income | 144,000 | 337,000 | 464,000 | 752,000 |
| Noninterest expense | 1,180,000 | 2,389,000 | 3,649,000 | 5,183,000 |
| Provision for loan losses | 64,000 | 408,000 | 408,000 | 469,000 |
| Pretax income | 736,000 | 1,166,000 | 1,882,000 | 2,310,000 |
| Income tax | 190,000 | 277,000 | 461,000 | 496,000 |
| Net income | 546,000 | 889,000 | 1,421,000 | 1,814,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,680,000 | 18,774,000 | 19,311,000 | 17,102,000 |
| Total capital | 20,165,000 | 20,382,000 | 20,911,000 | 18,701,000 |
| Risk-weighted assets | 118,616,000 | 128,609,000 | 127,917,000 | 127,734,000 |