Call reports 2008
HENRY COUNTY BANK, THE — 2008
What HENRY COUNTY BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 209,825,000 | 212,717,000 | 213,846,000 | 212,914,000 |
| Total loans | 119,319,000 | 119,741,000 | 120,872,000 | 121,094,000 |
| Allowance for loan losses | 1,400,000 | 1,325,000 | 1,375,000 | 1,600,000 |
| Securities available for sale | 69,520,000 | 75,599,000 | 74,767,000 | 75,301,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,594,000 | 161,816,000 | 165,625,000 | 163,088,000 |
| Interest-bearing deposits | 143,946,000 | 146,306,000 | 150,545,000 | 145,934,000 |
| Noninterest-bearing deposits | 15,648,000 | 15,510,000 | 15,080,000 | 17,154,000 |
| Equity capital | 20,290,000 | 19,300,000 | 19,980,000 | 20,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,194,000 | 6,313,000 | 9,365,000 | 12,355,000 |
| Interest expense | 1,440,000 | 2,716,000 | 3,987,000 | 5,099,000 |
| Net interest income | 1,754,000 | 3,597,000 | 5,378,000 | 7,256,000 |
| Noninterest income | 176,000 | 365,000 | 542,000 | 803,000 |
| Noninterest expense | 1,363,000 | 2,770,000 | 4,237,000 | 5,750,000 |
| Provision for loan losses | 0 | 62,000 | 461,000 | 766,000 |
| Pretax income | 583,000 | 1,150,000 | 1,243,000 | 1,653,000 |
| Income tax | 141,000 | 269,000 | 239,000 | 299,000 |
| Net income | 442,000 | 881,000 | 1,004,000 | 1,354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,243,000 | 19,418,000 | 19,543,000 | 19,433,000 |
| Total capital | 20,643,000 | 20,743,000 | 20,918,000 | 21,033,000 |
| Risk-weighted assets | 129,720,000 | 131,353,000 | 132,655,000 | 132,982,000 |