Call reports 2011
STATE BANK OF HERSCHER — 2011
What STATE BANK OF HERSCHER reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 190,380,000 | 189,920,000 | 198,874,000 | 193,805,000 |
| Total loans | 142,694,000 | 143,013,000 | 141,242,000 | 134,073,000 |
| Allowance for loan losses | 3,558,000 | 6,501,000 | 6,621,000 | 3,794,000 |
| Securities available for sale | 31,459,000 | 27,960,000 | 39,803,000 | 42,654,000 |
| Securities held to maturity | 4,719,000 | 4,458,000 | 4,457,000 | 4,256,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,316,000 | 177,372,000 | 178,531,000 | 177,036,000 |
| Interest-bearing deposits | 157,307,000 | 154,218,000 | 157,271,000 | 149,403,000 |
| Noninterest-bearing deposits | 19,009,000 | 23,155,000 | 21,260,000 | 27,633,000 |
| Equity capital | 12,818,000 | 10,803,000 | 18,467,000 | 15,661,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,381,000 | 4,814,000 | 7,144,000 | 9,069,000 |
| Interest expense | 536,000 | 1,025,000 | 1,437,000 | 1,840,000 |
| Net interest income | 1,845,000 | 3,789,000 | 5,707,000 | 7,229,000 |
| Noninterest income | 137,000 | 303,000 | 423,000 | 553,000 |
| Noninterest expense | 1,123,000 | 2,492,000 | 3,962,000 | 5,932,000 |
| Provision for loan losses | 500,000 | 3,440,000 | 3,610,000 | 6,140,000 |
| Pretax income | 355,000 | -1,849,000 | -1,452,000 | -4,300,000 |
| Income tax | 10,000 | 14,000 | 14,000 | 14,000 |
| Net income | 345,000 | -1,863,000 | -1,466,000 | -4,314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,806,000 | 10,597,000 | 17,968,000 | 15,166,000 |
| Total capital | 14,564,000 | 12,334,000 | 19,702,000 | 16,774,000 |
| Risk-weighted assets | 138,851,000 | 134,292,000 | 133,917,000 | 126,334,000 |