Call reports 2004
HERNDON NATIONAL BANK, THE — 2004
What HERNDON NATIONAL 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 | 28,720,000 | 28,261,000 | 27,277,000 | 28,100,000 |
| Total loans | 7,801,000 | 7,886,000 | 7,924,000 | 7,700,000 |
| Allowance for loan losses | 137,000 | 143,000 | 151,000 | 134,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 15,946,000 | 15,631,000 | 15,333,000 | 15,869,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,090,000 | 20,610,000 | 19,578,000 | 20,358,000 |
| Interest-bearing deposits | 18,387,000 | 17,998,000 | 16,875,000 | 17,499,000 |
| Noninterest-bearing deposits | 2,703,000 | 2,612,000 | 2,703,000 | 2,859,000 |
| Equity capital | 7,568,000 | 7,551,000 | 7,608,000 | 7,573,000 |
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 | 286,000 | 543,000 | 821,000 | 1,089,000 |
| Interest expense | 77,000 | 154,000 | 228,000 | 302,000 |
| Net interest income | 209,000 | 389,000 | 593,000 | 787,000 |
| Noninterest income | 12,000 | 25,000 | 39,000 | 51,000 |
| Noninterest expense | 148,000 | 327,000 | 488,000 | 665,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 74,000 | 89,000 | 146,000 | 175,000 |
| Income tax | 10,000 | 12,000 | 12,000 | 6,000 |
| Net income | 64,000 | 77,000 | 134,000 | 169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,568,000 | 7,551,000 | 7,608,000 | 7,573,000 |
| Total capital | 7,705,000 | 7,694,000 | 7,757,000 | 7,707,000 |
| Risk-weighted assets | 11,766,000 | 11,940,000 | 11,939,000 | 12,092,000 |