Call reports 2009
HERNDON NATIONAL BANK, THE — 2009
What HERNDON NATIONAL BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 29,277,000 | 29,141,000 | 29,739,000 | 30,062,000 |
| Total loans | 8,046,000 | 8,335,000 | 8,314,000 | 8,457,000 |
| Allowance for loan losses | 181,000 | 182,000 | 187,000 | 146,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 16,304,000 | 16,356,000 | 15,709,000 | 16,611,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,982,000 | 20,801,000 | 21,381,000 | 21,722,000 |
| Interest-bearing deposits | 17,071,000 | 17,142,000 | 17,481,000 | 17,736,000 |
| Noninterest-bearing deposits | 3,910,000 | 3,659,000 | 3,900,000 | 3,986,000 |
| Equity capital | 8,191,000 | 8,199,000 | 8,232,000 | 8,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 298,000 | 565,000 | 850,000 | 1,128,000 |
| Interest expense | 73,000 | 146,000 | 217,000 | 286,000 |
| Net interest income | 225,000 | 419,000 | 633,000 | 842,000 |
| Noninterest income | 12,000 | 25,000 | 36,000 | 48,000 |
| Noninterest expense | 173,000 | 340,000 | 533,000 | 792,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 65,000 | 109,000 | 142,000 | 104,000 |
| Income tax | 0 | 0 | 0 | -35,000 |
| Net income | 65,000 | 109,000 | 142,000 | 139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,191,000 | 8,199,000 | 8,232,000 | 8,174,000 |
| Total capital | 8,348,000 | 8,361,000 | 8,388,000 | 8,320,000 |
| Risk-weighted assets | 12,516,000 | 12,909,000 | 12,463,000 | 13,113,000 |