Call reports 2006
HERNDON NATIONAL BANK, THE — 2006
What HERNDON NATIONAL BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 28,296,000 | 27,967,000 | 27,738,000 | 28,114,000 |
| Total loans | 7,891,000 | 7,771,000 | 7,763,000 | 8,113,000 |
| Allowance for loan losses | 185,000 | 188,000 | 188,000 | 195,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 17,135,000 | 16,711,000 | 16,705,000 | 15,872,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,450,000 | 20,050,000 | 19,684,000 | 20,063,000 |
| Interest-bearing deposits | 17,240,000 | 17,007,000 | 16,379,000 | 16,711,000 |
| Noninterest-bearing deposits | 3,210,000 | 3,043,000 | 3,305,000 | 3,352,000 |
| Equity capital | 7,760,000 | 7,785,000 | 7,859,000 | 7,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 304,000 | 604,000 | 925,000 | 1,235,000 |
| Interest expense | 81,000 | 167,000 | 256,000 | 346,000 |
| Net interest income | 223,000 | 437,000 | 669,000 | 889,000 |
| Noninterest income | 14,000 | 24,000 | 36,000 | 47,000 |
| Noninterest expense | 175,000 | 333,000 | 491,000 | 695,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 62,000 | 128,000 | 214,000 | 241,000 |
| Income tax | 7,000 | 18,000 | 30,000 | 9,000 |
| Net income | 55,000 | 110,000 | 184,000 | 232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,760,000 | 7,785,000 | 7,859,000 | 7,837,000 |
| Total capital | 7,917,000 | 7,939,000 | 8,010,000 | 7,989,000 |
| Risk-weighted assets | 12,569,000 | 12,325,000 | 12,049,000 | 12,137,000 |