Call reports 2003
HERNDON NATIONAL BANK, THE — 2003
What HERNDON NATIONAL 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 | 28,410,000 | 28,457,000 | 28,119,000 | 28,418,000 |
| Total loans | 8,068,000 | 8,231,000 | 8,306,000 | 8,088,000 |
| Allowance for loan losses | 190,000 | 205,000 | 168,000 | 151,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 16,939,000 | 16,456,000 | 16,741,000 | 16,671,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,959,000 | 20,926,000 | 20,483,000 | 20,752,000 |
| Interest-bearing deposits | 18,342,000 | 18,321,000 | 17,627,000 | 18,073,000 |
| Noninterest-bearing deposits | 2,617,000 | 2,605,000 | 2,856,000 | 2,679,000 |
| Equity capital | 7,380,000 | 7,431,000 | 7,507,000 | 7,504,000 |
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 | 332,000 | 630,000 | 922,000 | 1,209,000 |
| Interest expense | 92,000 | 178,000 | 260,000 | 338,000 |
| Net interest income | 240,000 | 452,000 | 662,000 | 871,000 |
| Noninterest income | 10,000 | 24,000 | 38,000 | 52,000 |
| Noninterest expense | 194,000 | 319,000 | 452,000 | 627,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 57,000 | 158,000 | 250,000 | 298,000 |
| Income tax | 5,000 | 25,000 | 41,000 | 22,000 |
| Net income | 52,000 | 133,000 | 209,000 | 276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,380,000 | 7,431,000 | 7,507,000 | 7,504,000 |
| Total capital | 7,524,000 | 7,579,000 | 7,654,000 | 7,651,000 |
| Risk-weighted assets | 11,444,000 | 11,744,000 | 11,700,000 | 11,725,000 |
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