Call reports 2005
HENDERSON STATE BANK — 2005
What HENDERSON STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 41,322,000 | 41,345,000 | 41,116,000 | 40,926,000 |
| Total loans | 18,167,000 | 18,235,000 | 19,814,000 | 18,058,000 |
| Allowance for loan losses | 224,000 | 224,000 | 224,000 | 224,000 |
| Securities available for sale | 19,680,000 | 19,600,000 | 17,741,000 | 17,203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,534,000 | 28,316,000 | 25,550,000 | 28,138,000 |
| Interest-bearing deposits | 25,727,000 | 24,948,000 | 22,516,000 | 23,920,000 |
| Noninterest-bearing deposits | 2,807,000 | 3,368,000 | 3,034,000 | 4,218,000 |
| Equity capital | 3,026,000 | 3,204,000 | 3,173,000 | 3,081,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 505,000 | 1,032,000 | 1,579,000 | 2,115,000 |
| Interest expense | 261,000 | 540,000 | 830,000 | 1,124,000 |
| Net interest income | 244,000 | 492,000 | 749,000 | 991,000 |
| Noninterest income | 21,000 | 33,000 | 50,000 | 66,000 |
| Noninterest expense | 228,000 | 447,000 | 671,000 | 898,000 |
| Provision for loan losses | 9,000 | 9,000 | 9,000 | 9,000 |
| Pretax income | 63,000 | 104,000 | 153,000 | 184,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 7,000 |
| Net income | 62,000 | 103,000 | 151,000 | 177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,160,000 | 3,201,000 | 3,233,000 | 3,356,000 |
| Total capital | 3,384,000 | 3,425,000 | 3,457,000 | 3,580,000 |
| Risk-weighted assets | 24,163,000 | 24,794,000 | 25,067,000 | 23,694,000 |