Call reports 2008
HENDERSON STATE BANK — 2008
What HENDERSON STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 107,047,000 | 110,239,000 | 109,829,000 | 122,831,000 |
| Total loans | 92,210,000 | 96,676,000 | 96,726,000 | 100,459,000 |
| Allowance for loan losses | 859,000 | 979,000 | 1,039,000 | 1,069,000 |
| Securities available for sale | 8,457,000 | 7,335,000 | 7,130,000 | 7,318,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,199,000 | 74,562,000 | 74,269,000 | 82,671,000 |
| Interest-bearing deposits | 66,643,000 | 69,290,000 | 68,438,000 | 74,754,000 |
| Noninterest-bearing deposits | 5,556,000 | 5,272,000 | 5,831,000 | 7,917,000 |
| Equity capital | 9,491,000 | 9,701,000 | 9,971,000 | 10,318,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,804,000 | 3,565,000 | 5,300,000 | 7,039,000 |
| Interest expense | 952,000 | 1,831,000 | 2,655,000 | 3,483,000 |
| Net interest income | 852,000 | 1,734,000 | 2,645,000 | 3,556,000 |
| Noninterest income | 46,000 | 100,000 | 146,000 | 197,000 |
| Noninterest expense | 481,000 | 949,000 | 1,466,000 | 2,000,000 |
| Provision for loan losses | 120,000 | 240,000 | 300,000 | 330,000 |
| Pretax income | 297,000 | 645,000 | 929,000 | 1,324,000 |
| Income tax | 8,000 | 17,000 | 25,000 | 35,000 |
| Net income | 289,000 | 628,000 | 904,000 | 1,289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,424,000 | 9,712,000 | 9,891,000 | 10,327,000 |
| Total capital | 10,283,000 | 10,691,000 | 10,930,000 | 11,396,000 |
| Risk-weighted assets | 100,178,000 | 101,838,000 | 100,641,000 | 106,790,000 |