Call reports 2005
STATE BANK OF HERSCHER — 2005
What STATE BANK OF HERSCHER 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 | 115,973,000 | 116,199,000 | 122,416,000 | 125,134,000 |
| Total loans | 76,157,000 | 79,700,000 | 84,391,000 | 86,273,000 |
| Allowance for loan losses | 567,000 | 576,000 | 629,000 | 694,000 |
| Securities available for sale | 16,859,000 | 14,584,000 | 15,358,000 | 22,994,000 |
| Securities held to maturity | 14,911,000 | 14,550,000 | 15,326,000 | 5,032,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,312,000 | 98,920,000 | 104,579,000 | 108,975,000 |
| Interest-bearing deposits | 91,414,000 | 86,714,000 | 94,458,000 | 78,484,000 |
| Noninterest-bearing deposits | 10,898,000 | 12,206,000 | 10,121,000 | 30,491,000 |
| Equity capital | 12,418,000 | 12,700,000 | 13,078,000 | 12,750,000 |
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 | 1,543,000 | 3,169,000 | 4,909,000 | 6,746,000 |
| Interest expense | 421,000 | 895,000 | 1,521,000 | 2,211,000 |
| Net interest income | 1,122,000 | 2,274,000 | 3,388,000 | 4,535,000 |
| Noninterest income | 81,000 | 154,000 | 243,000 | 336,000 |
| Noninterest expense | 687,000 | 1,366,000 | 2,124,000 | 2,945,000 |
| Provision for loan losses | 36,000 | 96,000 | 156,000 | 626,000 |
| Pretax income | 455,000 | 934,000 | 1,319,000 | 1,203,000 |
| Income tax | 133,000 | 273,000 | 359,000 | 484,000 |
| Net income | 322,000 | 661,000 | 960,000 | 719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,481,000 | 12,863,000 | 12,993,000 | 12,578,000 |
| Total capital | 13,048,000 | 13,439,000 | 13,622,000 | 13,272,000 |
| Risk-weighted assets | 94,809,000 | 94,804,000 | 102,137,000 | 103,997,000 |