Call reports 2005
HENRY COUNTY BANK, THE — 2005
What HENRY 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 | 195,868,000 | 199,188,000 | 202,704,000 | 201,645,000 |
| Total loans | 120,472,000 | 124,168,000 | 126,613,000 | 123,212,000 |
| Allowance for loan losses | 1,746,000 | 1,686,000 | 1,610,000 | 1,375,000 |
| Securities available for sale | 61,889,000 | 61,666,000 | 61,559,000 | 61,595,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,410,000 | 146,864,000 | 147,659,000 | 152,638,000 |
| Interest-bearing deposits | 136,508,000 | 132,242,000 | 133,580,000 | 137,674,000 |
| Noninterest-bearing deposits | 13,902,000 | 14,622,000 | 14,079,000 | 14,964,000 |
| Equity capital | 17,201,000 | 17,581,000 | 17,668,000 | 17,350,000 |
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 | 2,516,000 | 5,117,000 | 7,861,000 | 10,705,000 |
| Interest expense | 907,000 | 1,935,000 | 3,097,000 | 4,264,000 |
| Net interest income | 1,609,000 | 3,182,000 | 4,764,000 | 6,441,000 |
| Noninterest income | 147,000 | 294,000 | 435,000 | 719,000 |
| Noninterest expense | 1,239,000 | 2,492,000 | 3,835,000 | 5,274,000 |
| Provision for loan losses | 0 | 0 | 0 | 98,000 |
| Pretax income | 518,000 | 988,000 | 1,368,000 | 1,792,000 |
| Income tax | 120,000 | 223,000 | 302,000 | 354,000 |
| Net income | 398,000 | 765,000 | 1,066,000 | 1,438,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,503,000 | 17,609,000 | 17,913,000 | 17,922,000 |
| Total capital | 19,079,000 | 19,228,000 | 19,523,000 | 19,297,000 |
| Risk-weighted assets | 125,924,000 | 129,494,000 | 131,400,000 | 129,706,000 |