Call reports 2004
HENDERSON STATE BANK — 2004
What HENDERSON STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 39,373,000 | 42,261,000 | 44,581,000 | 44,061,000 |
| Total loans | 17,822,000 | 17,632,000 | 19,117,000 | 19,659,000 |
| Allowance for loan losses | 209,000 | 208,000 | 208,000 | 215,000 |
| Securities available for sale | 17,402,000 | 21,456,000 | 22,016,000 | 20,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,949,000 | 28,591,000 | 29,026,000 | 31,041,000 |
| Interest-bearing deposits | 22,781,000 | 25,907,000 | 26,242,000 | 26,839,000 |
| Noninterest-bearing deposits | 3,168,000 | 2,684,000 | 2,784,000 | 4,202,000 |
| Equity capital | 3,185,000 | 2,918,000 | 3,205,000 | 3,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 421,000 | 869,000 | 1,388,000 | 1,909,000 |
| Interest expense | 225,000 | 464,000 | 730,000 | 1,006,000 |
| Net interest income | 196,000 | 405,000 | 658,000 | 903,000 |
| Noninterest income | 6,000 | 19,000 | 35,000 | 50,000 |
| Noninterest expense | 229,000 | 446,000 | 674,000 | 912,000 |
| Provision for loan losses | 0 | 0 | 0 | 7,000 |
| Pretax income | -24,000 | -13,000 | 41,000 | 62,000 |
| Income tax | -13,000 | -10,000 | -6,000 | -33,000 |
| Net income | -11,000 | -3,000 | 47,000 | 95,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,992,000 | 2,999,000 | 3,050,000 | 3,098,000 |
| Total capital | 3,201,000 | 3,207,000 | 3,258,000 | 3,313,000 |
| Risk-weighted assets | 25,217,000 | 25,888,000 | 26,884,000 | 27,703,000 |