Call reports 2012
HERGET BANK, NATIONAL ASSOCIATION — 2012
What HERGET BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 270,250,000 | 254,215,000 | 259,906,000 | 259,069,000 |
| Total loans | 121,171,000 | 118,470,000 | 118,701,000 | 116,796,000 |
| Allowance for loan losses | 2,164,000 | 2,328,000 | 2,183,000 | 1,859,000 |
| Securities available for sale | 113,059,000 | 118,256,000 | 111,275,000 | 102,837,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,934,000 | 225,669,000 | 230,122,000 | 228,786,000 |
| Interest-bearing deposits | 222,203,000 | 203,922,000 | 213,009,000 | 212,020,000 |
| Noninterest-bearing deposits | 19,732,000 | 21,747,000 | 17,113,000 | 16,766,000 |
| Equity capital | 27,121,000 | 27,346,000 | 28,674,000 | 28,804,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,162,000 | 4,300,000 | 6,342,000 | 8,279,000 |
| Interest expense | 382,000 | 729,000 | 1,052,000 | 1,357,000 |
| Net interest income | 1,780,000 | 3,571,000 | 5,290,000 | 6,922,000 |
| Noninterest income | 805,000 | 1,749,000 | 2,860,000 | 3,936,000 |
| Noninterest expense | 2,014,000 | 3,905,000 | 5,789,000 | 7,702,000 |
| Provision for loan losses | 1,295,000 | 1,960,000 | 2,125,000 | 2,350,000 |
| Pretax income | -735,000 | -556,000 | 221,000 | 760,000 |
| Income tax | 4,000 | 4,000 | 11,000 | 14,000 |
| Net income | -739,000 | -560,000 | 210,000 | 746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,697,000 | 24,876,000 | 25,646,000 | 26,178,000 |
| Total capital | 26,425,000 | 26,577,000 | 27,329,000 | 27,811,000 |
| Risk-weighted assets | 137,802,000 | 135,465,000 | 134,175,000 | 130,405,000 |