Call reports 2010
HERNDON NATIONAL BANK, THE — 2010
What HERNDON NATIONAL BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 30,692,000 | 30,112,000 | 29,727,000 | 30,482,000 |
| Total loans | 8,091,000 | 8,090,000 | 8,228,000 | 8,503,000 |
| Allowance for loan losses | 151,000 | 156,000 | 160,000 | 195,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 14,787,000 | 14,733,000 | 15,424,000 | 14,966,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,389,000 | 21,782,000 | 21,345,000 | 22,083,000 |
| Interest-bearing deposits | 18,003,000 | 17,710,000 | 17,635,000 | 17,830,000 |
| Noninterest-bearing deposits | 4,386,000 | 4,072,000 | 3,710,000 | 4,253,000 |
| Equity capital | 8,222,000 | 8,209,000 | 8,293,000 | 8,229,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 266,000 | 517,000 | 810,000 | 1,058,000 |
| Interest expense | 66,000 | 128,000 | 174,000 | 220,000 |
| Net interest income | 200,000 | 389,000 | 636,000 | 838,000 |
| Noninterest income | 12,000 | 21,000 | 34,000 | 82,000 |
| Noninterest expense | 167,000 | 352,000 | 528,000 | 732,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 48,000 | 70,000 | 154,000 | 153,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 48,000 | 70,000 | 154,000 | 153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,222,000 | 8,209,000 | 8,293,000 | 8,229,000 |
| Total capital | 8,373,000 | 8,359,000 | 8,443,000 | 8,377,000 |
| Risk-weighted assets | 12,264,000 | 11,981,000 | 11,962,000 | 11,766,000 |
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