Call reports 2008
HERGET BANK, NATIONAL ASSOCIATION — 2008
What HERGET BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 242,269,000 | 240,151,000 | 308,951,000 | 254,331,000 |
| Total loans | 151,904,000 | 157,055,000 | 161,833,000 | 162,765,000 |
| Allowance for loan losses | 1,872,000 | 1,596,000 | 1,667,000 | 1,605,000 |
| Securities available for sale | 67,667,000 | 62,211,000 | 62,690,000 | 66,151,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,332,000 | 207,208,000 | 283,914,000 | 227,686,000 |
| Interest-bearing deposits | 199,128,000 | 192,044,000 | 189,161,000 | 210,060,000 |
| Noninterest-bearing deposits | 17,204,000 | 15,164,000 | 94,753,000 | 17,626,000 |
| Equity capital | 24,436,000 | 23,796,000 | 23,787,000 | 24,011,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,445,000 | 6,741,000 | 10,088,000 | 13,263,000 |
| Interest expense | 1,600,000 | 2,960,000 | 4,226,000 | 5,364,000 |
| Net interest income | 1,845,000 | 3,781,000 | 5,862,000 | 7,899,000 |
| Noninterest income | 672,000 | 1,275,000 | 1,970,000 | 2,572,000 |
| Noninterest expense | 1,910,000 | 3,735,000 | 5,589,000 | 8,527,000 |
| Provision for loan losses | 105,000 | 246,000 | 315,000 | 481,000 |
| Pretax income | 502,000 | 1,075,000 | 1,933,000 | 1,468,000 |
| Income tax | 6,000 | 9,000 | 22,000 | 13,000 |
| Net income | 496,000 | 1,066,000 | 1,911,000 | 1,455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,560,000 | 23,793,000 | 24,290,000 | 23,700,000 |
| Total capital | 25,432,000 | 25,389,000 | 25,957,000 | 25,305,000 |
| Risk-weighted assets | 164,466,000 | 166,731,000 | 172,703,000 | 172,893,000 |