Call reports 2003
HERGET BANK, NATIONAL ASSOCIATION — 2003
What HERGET BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 209,892,000 | 216,017,000 | 263,511,000 | 221,228,000 |
| Total loans | 75,185,000 | 78,817,000 | 81,224,000 | 79,890,000 |
| Allowance for loan losses | 951,000 | 951,000 | 974,000 | 977,000 |
| Securities available for sale | 108,111,000 | 103,295,000 | 109,303,000 | 120,295,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,026,000 | 189,207,000 | 186,001,000 | 196,150,000 |
| Interest-bearing deposits | 151,525,000 | 154,459,000 | 151,308,000 | 157,036,000 |
| Noninterest-bearing deposits | 32,501,000 | 34,748,000 | 34,693,000 | 39,114,000 |
| Equity capital | 22,093,000 | 22,771,000 | 22,370,000 | 22,983,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,329,000 | 4,628,000 | 6,694,000 | 8,846,000 |
| Interest expense | 846,000 | 1,636,000 | 2,381,000 | 3,098,000 |
| Net interest income | 1,483,000 | 2,992,000 | 4,313,000 | 5,748,000 |
| Noninterest income | 519,000 | 1,043,000 | 1,622,000 | 2,111,000 |
| Noninterest expense | 1,446,000 | 2,895,000 | 4,329,000 | 5,445,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 511,000 | 1,250,000 | 1,673,000 | 2,443,000 |
| Income tax | 7,000 | 23,000 | 31,000 | 41,000 |
| Net income | 504,000 | 1,227,000 | 1,642,000 | 2,402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,718,000 | 20,071,000 | 20,186,000 | 20,806,000 |
| Total capital | 20,669,000 | 21,022,000 | 21,160,000 | 21,783,000 |
| Risk-weighted assets | 101,729,000 | 103,973,000 | 113,689,000 | 102,850,000 |