Call reports 2001
HERNDON NATIONAL BANK, THE — 2001
What HERNDON NATIONAL BANK, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 26,267,000 | 26,363,000 | 26,994,000 | 27,235,000 |
| Total loans | 9,863,000 | 9,405,000 | 9,300,000 | 9,041,000 |
| Allowance for loan losses | 218,000 | 224,000 | 213,000 | 233,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,607,000 | 12,301,000 | 12,780,000 | 14,073,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,096,000 | 19,118,000 | 19,665,000 | 19,899,000 |
| Interest-bearing deposits | 16,782,000 | 16,900,000 | 17,173,000 | 17,870,000 |
| Noninterest-bearing deposits | 2,314,000 | 2,218,000 | 2,492,000 | 2,029,000 |
| Equity capital | 7,053,000 | 7,143,000 | 7,230,000 | 7,209,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 432,000 | 854,000 | 1,257,000 | 1,641,000 |
| Interest expense | 151,000 | 305,000 | 458,000 | 607,000 |
| Net interest income | 281,000 | 549,000 | 799,000 | 1,034,000 |
| Noninterest income | 20,000 | 30,000 | 40,000 | 54,000 |
| Noninterest expense | 196,000 | 314,000 | 451,000 | 629,000 |
| Provision for loan losses | 0 | 0 | 11,000 | 53,000 |
| Pretax income | 105,000 | 265,000 | 377,000 | 406,000 |
| Income tax | 21,000 | 61,000 | 86,000 | 71,000 |
| Net income | 84,000 | 204,000 | 291,000 | 335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,053,000 | 7,143,000 | 7,230,000 | 7,209,000 |
| Total capital | 7,190,000 | 7,279,000 | 7,368,000 | 7,348,000 |
| Risk-weighted assets | 10,841,000 | 10,802,000 | 10,992,000 | 11,060,000 |