Call reports 2002
HERGET BANK, NATIONAL ASSOCIATION — 2002
What HERGET BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 192,089,000 | 193,079,000 | 249,969,000 | 209,465,000 |
| Total loans | 90,282,000 | 89,430,000 | 87,923,000 | 77,480,000 |
| Allowance for loan losses | 938,000 | 952,000 | 1,032,000 | 1,014,000 |
| Securities available for sale | 88,402,000 | 82,860,000 | 88,392,000 | 97,948,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,176,000 | 168,246,000 | 181,981,000 | 184,718,000 |
| Interest-bearing deposits | 136,614,000 | 132,564,000 | 135,701,000 | 148,752,000 |
| Noninterest-bearing deposits | 32,562,000 | 35,682,000 | 46,280,000 | 35,966,000 |
| Equity capital | 20,949,000 | 22,816,000 | 23,919,000 | 22,601,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,801,000 | 5,549,000 | 8,272,000 | 10,854,000 |
| Interest expense | 1,029,000 | 1,982,000 | 2,916,000 | 3,829,000 |
| Net interest income | 1,772,000 | 3,567,000 | 5,356,000 | 7,025,000 |
| Noninterest income | 492,000 | 1,007,000 | 1,513,000 | 2,094,000 |
| Noninterest expense | 1,522,000 | 2,975,000 | 4,398,000 | 5,808,000 |
| Provision for loan losses | 60,000 | 120,000 | 230,000 | 1,790,000 |
| Pretax income | 810,000 | 1,639,000 | 2,448,000 | 1,729,000 |
| Income tax | 45,000 | 79,000 | 111,000 | 115,000 |
| Net income | 765,000 | 1,560,000 | 2,337,000 | 1,614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,071,000 | 20,526,000 | 20,932,000 | 19,869,000 |
| Total capital | 21,009,000 | 21,478,000 | 21,964,000 | 20,883,000 |
| Risk-weighted assets | 106,656,000 | 106,131,000 | 117,583,000 | 104,539,000 |