Call reports 2007
HERNDON NATIONAL BANK, THE — 2007
What HERNDON NATIONAL BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 28,568,000 | 28,567,000 | 28,614,000 | 29,065,000 |
| Total loans | 8,019,000 | 8,176,000 | 8,376,000 | 8,403,000 |
| Allowance for loan losses | 199,000 | 206,000 | 192,000 | 191,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 15,230,000 | 15,152,000 | 14,476,000 | 14,022,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,515,000 | 20,419,000 | 20,409,000 | 20,836,000 |
| Interest-bearing deposits | 14,638,000 | 3,671,000 | 3,217,000 | 3,812,000 |
| Noninterest-bearing deposits | 5,877,000 | 16,748,000 | 17,192,000 | 17,024,000 |
| Equity capital | 7,921,000 | 7,960,000 | 8,002,000 | 7,985,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 347,000 | 680,000 | 986,000 | 1,313,000 |
| Interest expense | 97,000 | 188,000 | 283,000 | 381,000 |
| Net interest income | 250,000 | 492,000 | 703,000 | 932,000 |
| Noninterest income | 13,000 | 25,000 | 40,000 | 54,000 |
| Noninterest expense | 159,000 | 327,000 | 494,000 | 717,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 105,000 | 191,000 | 250,000 | 270,000 |
| Income tax | 21,000 | 34,000 | 50,000 | 13,000 |
| Net income | 84,000 | 157,000 | 200,000 | 257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,921,000 | 7,960,000 | 8,002,000 | 7,985,000 |
| Total capital | 8,074,000 | 8,116,000 | 8,158,000 | 8,146,000 |
| Risk-weighted assets | 12,189,000 | 12,428,000 | 12,481,000 | 12,839,000 |
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