Call reports 2004
HERGET BANK, NATIONAL ASSOCIATION — 2004
What HERGET BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 217,970,000 | 221,367,000 | 274,058,000 | 226,268,000 |
| Total loans | 82,477,000 | 81,897,000 | 76,112,000 | 82,686,000 |
| Allowance for loan losses | 994,000 | 1,043,000 | 1,068,000 | 1,055,000 |
| Securities available for sale | 115,220,000 | 120,815,000 | 131,196,000 | 131,291,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,174,000 | 198,091,000 | 191,240,000 | 198,386,000 |
| Interest-bearing deposits | 156,315,000 | 156,571,000 | 160,979,000 | 175,196,000 |
| Noninterest-bearing deposits | 35,859,000 | 41,520,000 | 30,260,000 | 23,189,000 |
| Equity capital | 23,808,000 | 21,440,000 | 23,098,000 | 21,910,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,216,000 | 4,449,000 | 6,820,000 | 9,276,000 |
| Interest expense | 672,000 | 1,323,000 | 2,026,000 | 2,781,000 |
| Net interest income | 1,544,000 | 3,126,000 | 4,794,000 | 6,495,000 |
| Noninterest income | 467,000 | 957,000 | 1,421,000 | 1,888,000 |
| Noninterest expense | 1,465,000 | 2,935,000 | 4,408,000 | 5,918,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 511,000 | 1,082,000 | 1,711,000 | 2,339,000 |
| Income tax | 6,000 | 11,000 | 15,000 | 20,000 |
| Net income | 505,000 | 1,071,000 | 1,696,000 | 2,319,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,676,000 | 20,882,000 | 21,166,000 | 20,772,000 |
| Total capital | 21,670,000 | 21,925,000 | 22,234,000 | 21,827,000 |
| Risk-weighted assets | 104,942,000 | 105,150,000 | 111,977,000 | 106,044,000 |
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