Call reports 2007
HENDERSON STATE BANK — 2007
What HENDERSON STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 72,893,000 | 86,790,000 | 91,469,000 | 100,777,000 |
| Total loans | 57,989,000 | 71,713,000 | 75,985,000 | 82,000,000 |
| Allowance for loan losses | 479,000 | 515,000 | 632,000 | 752,000 |
| Securities available for sale | 10,360,000 | 9,723,000 | 9,900,000 | 9,541,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,689,000 | 59,739,000 | 63,067,000 | 62,360,000 |
| Interest-bearing deposits | 52,577,000 | 56,181,000 | 59,360,000 | 53,923,000 |
| Noninterest-bearing deposits | 5,112,000 | 3,558,000 | 3,707,000 | 8,437,000 |
| Equity capital | 8,069,000 | 8,239,000 | 8,388,000 | 8,496,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,131,000 | 2,592,000 | 4,230,000 | 5,908,000 |
| Interest expense | 657,000 | 1,481,000 | 2,417,000 | 3,373,000 |
| Net interest income | 474,000 | 1,111,000 | 1,813,000 | 2,535,000 |
| Noninterest income | 15,000 | 48,000 | 72,000 | 108,000 |
| Noninterest expense | 378,000 | 765,000 | 1,177,000 | 1,635,000 |
| Provision for loan losses | 65,000 | 122,000 | 239,000 | 359,000 |
| Pretax income | 46,000 | 272,000 | 469,000 | 649,000 |
| Income tax | 0 | 0 | 0 | 24,000 |
| Net income | 46,000 | 272,000 | 469,000 | 625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,146,000 | 8,368,000 | 8,453,000 | 8,504,000 |
| Total capital | 8,625,000 | 8,883,000 | 9,085,000 | 9,256,000 |
| Risk-weighted assets | 64,116,000 | 79,206,000 | 83,507,000 | 91,549,000 |