Call reports 2003
HENDERSON STATE BANK — 2003
What HENDERSON STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 37,412,000 | 39,188,000 | 39,393,000 | 39,622,000 |
| Total loans | 16,385,000 | 17,376,000 | 19,600,000 | 17,468,000 |
| Allowance for loan losses | 242,000 | 245,000 | 275,000 | 325,000 |
| Securities available for sale | 16,967,000 | 17,254,000 | 16,472,000 | 16,502,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,650,000 | 25,753,000 | 25,026,000 | 26,497,000 |
| Interest-bearing deposits | 21,007,000 | 22,931,000 | 22,415,000 | 22,606,000 |
| Noninterest-bearing deposits | 2,643,000 | 2,822,000 | 2,611,000 | 3,891,000 |
| Equity capital | 3,342,000 | 3,455,000 | 3,285,000 | 3,314,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 499,000 | 988,000 | 1,474,000 | 1,941,000 |
| Interest expense | 235,000 | 470,000 | 703,000 | 932,000 |
| Net interest income | 264,000 | 518,000 | 771,000 | 1,009,000 |
| Noninterest income | 9,000 | 18,000 | 30,000 | 37,000 |
| Noninterest expense | 199,000 | 404,000 | 625,000 | 889,000 |
| Provision for loan losses | 7,000 | 10,000 | 40,000 | 90,000 |
| Pretax income | 93,000 | 175,000 | 202,000 | 230,000 |
| Income tax | 7,000 | 11,000 | 11,000 | 8,000 |
| Net income | 86,000 | 164,000 | 191,000 | 222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,094,000 | 3,172,000 | 3,199,000 | 3,231,000 |
| Total capital | 3,336,000 | 3,417,000 | 3,474,000 | 3,540,000 |
| Risk-weighted assets | 22,320,000 | 24,395,000 | 26,929,000 | 24,739,000 |