Call reports 2005
HERGET BANK, NATIONAL ASSOCIATION — 2005
What HERGET BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 222,178,000 | 236,813,000 | 281,978,000 | 247,097,000 |
| Total loans | 80,854,000 | 85,432,000 | 88,759,000 | 109,125,000 |
| Allowance for loan losses | 1,126,000 | 1,236,000 | 1,295,000 | 1,355,000 |
| Securities available for sale | 125,883,000 | 124,047,000 | 123,051,000 | 121,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,038,000 | 213,525,000 | 259,251,000 | 210,232,000 |
| Interest-bearing deposits | 179,821,000 | 192,998,000 | 182,145,000 | 191,646,000 |
| Noninterest-bearing deposits | 20,217,000 | 20,527,000 | 77,106,000 | 18,586,000 |
| Equity capital | 20,164,000 | 21,367,000 | 20,665,000 | 20,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,447,000 | 4,946,000 | 7,714,000 | 10,564,000 |
| Interest expense | 784,000 | 1,666,000 | 2,784,000 | 4,025,000 |
| Net interest income | 1,663,000 | 3,280,000 | 4,930,000 | 6,539,000 |
| Noninterest income | 476,000 | 952,000 | 1,476,000 | 1,944,000 |
| Noninterest expense | 1,590,000 | 3,198,000 | 4,848,000 | 6,418,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 474,000 | 882,000 | 1,332,000 | 1,767,000 |
| Income tax | 3,000 | 3,000 | 3,000 | 3,000 |
| Net income | 471,000 | 879,000 | 1,329,000 | 1,764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,643,000 | 20,808,000 | 21,076,000 | 21,511,000 |
| Total capital | 21,769,000 | 22,044,000 | 22,372,000 | 22,866,000 |
| Risk-weighted assets | 104,608,000 | 110,842,000 | 123,782,000 | 131,629,000 |