Call reports 2007
HERGET BANK, NATIONAL ASSOCIATION — 2007
What HERGET BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 248,311,000 | 240,603,000 | 283,960,000 | 245,221,000 |
| Total loans | 140,294,000 | 140,401,000 | 143,906,000 | 145,409,000 |
| Allowance for loan losses | 1,813,000 | 1,788,000 | 1,818,000 | 1,831,000 |
| Securities available for sale | 86,969,000 | 86,316,000 | 77,321,000 | 75,076,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,735,000 | 206,506,000 | 258,092,000 | 218,559,000 |
| Interest-bearing deposits | 205,442,000 | 182,870,000 | 239,115,000 | 201,575,000 |
| Noninterest-bearing deposits | 18,293,000 | 23,636,000 | 18,977,000 | 16,984,000 |
| Equity capital | 21,985,000 | 22,136,000 | 23,282,000 | 24,089,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,369,000 | 6,784,000 | 10,440,000 | 14,104,000 |
| Interest expense | 1,675,000 | 3,298,000 | 5,024,000 | 6,803,000 |
| Net interest income | 1,694,000 | 3,486,000 | 5,416,000 | 7,301,000 |
| Noninterest income | 553,000 | 1,191,000 | 1,828,000 | 2,461,000 |
| Noninterest expense | 1,763,000 | 3,453,000 | 5,166,000 | 6,886,000 |
| Provision for loan losses | 94,000 | 199,000 | 315,000 | 435,000 |
| Pretax income | 390,000 | 1,027,000 | 1,765,000 | 2,443,000 |
| Income tax | 0 | 0 | 0 | 3,000 |
| Net income | 390,000 | 1,027,000 | 1,765,000 | 2,440,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,416,000 | 22,751,000 | 23,185,000 | 23,661,000 |
| Total capital | 24,229,000 | 24,539,000 | 25,003,000 | 25,492,000 |
| Risk-weighted assets | 152,104,000 | 154,661,000 | 165,978,000 | 159,665,000 |