Call reports 2005
HERNDON NATIONAL BANK, THE — 2005
What HERNDON NATIONAL 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 | 27,999,000 | 27,875,000 | 28,494,000 | 28,558,000 |
| Total loans | 7,492,000 | 7,520,000 | 7,657,000 | 7,890,000 |
| Allowance for loan losses | 173,000 | 187,000 | 196,000 | 178,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 16,370,000 | 16,892,000 | 17,878,000 | 17,488,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,302,000 | 20,081,000 | 20,595,000 | 20,667,000 |
| Interest-bearing deposits | 17,015,000 | 17,193,000 | 17,225,000 | 17,292,000 |
| Noninterest-bearing deposits | 3,287,000 | 2,888,000 | 3,370,000 | 3,375,000 |
| Equity capital | 7,636,000 | 7,665,000 | 7,747,000 | 7,705,000 |
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 | 290,000 | 581,000 | 908,000 | 1,172,000 |
| Interest expense | 72,000 | 148,000 | 228,000 | 309,000 |
| Net interest income | 218,000 | 433,000 | 680,000 | 863,000 |
| Noninterest income | 12,000 | 21,000 | 37,000 | 46,000 |
| Noninterest expense | 156,000 | 309,000 | 473,000 | 663,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 74,000 | 145,000 | 244,000 | 246,000 |
| Income tax | 11,000 | 23,000 | 40,000 | 14,000 |
| Net income | 63,000 | 122,000 | 204,000 | 232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,636,000 | 7,665,000 | 7,747,000 | 7,705,000 |
| Total capital | 7,787,000 | 7,818,000 | 7,903,000 | 7,861,000 |
| Risk-weighted assets | 12,050,000 | 12,228,000 | 12,411,000 | 12,445,000 |