Call reports 2009
STATE BANK OF HERSCHER — 2009
What STATE BANK OF HERSCHER reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 158,626,000 | 166,505,000 | 176,158,000 | 186,500,000 |
| Total loans | 126,802,000 | 130,149,000 | 134,202,000 | 138,030,000 |
| Allowance for loan losses | 1,595,000 | 1,804,000 | 1,913,000 | 1,787,000 |
| Securities available for sale | 19,163,000 | 17,189,000 | 17,702,000 | 17,044,000 |
| Securities held to maturity | 1,236,000 | 1,225,000 | 3,357,000 | 5,039,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,963,000 | 149,612,000 | 158,899,000 | 169,475,000 |
| Interest-bearing deposits | 126,584,000 | 130,707,000 | 143,039,000 | 147,437,000 |
| Noninterest-bearing deposits | 15,379,000 | 18,905,000 | 15,860,000 | 22,038,000 |
| Equity capital | 15,523,000 | 15,636,000 | 16,106,000 | 16,106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,647,000 | 4,778,000 | 7,187,000 | 9,729,000 |
| Interest expense | 711,000 | 1,418,000 | 2,155,000 | 2,889,000 |
| Net interest income | 1,936,000 | 3,360,000 | 5,032,000 | 6,840,000 |
| Noninterest income | 155,000 | 766,000 | 977,000 | 1,129,000 |
| Noninterest expense | 1,115,000 | 2,330,000 | 3,336,000 | 4,291,000 |
| Provision for loan losses | 120,000 | 370,000 | 655,000 | 1,070,000 |
| Pretax income | 856,000 | 1,444,000 | 2,036,000 | 2,626,000 |
| Income tax | 12,000 | 20,000 | 30,000 | 38,000 |
| Net income | 844,000 | 1,424,000 | 2,006,000 | 2,588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,443,000 | 15,749,000 | 16,064,000 | 16,055,000 |
| Total capital | 17,038,000 | 17,370,000 | 17,754,000 | 17,783,000 |
| Risk-weighted assets | 127,119,000 | 129,110,000 | 134,195,000 | 138,764,000 |