Call reports 2018
STATE BANK OF HERSCHER — 2018
What STATE BANK OF HERSCHER reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 135,938,000 | 134,650,000 | 146,668,000 | 145,687,000 |
| Total loans | 75,078,000 | 76,462,000 | 77,760,000 | 79,094,000 |
| Allowance for loan losses | 2,498,000 | 2,513,000 | 2,596,000 | 2,611,000 |
| Securities available for sale | 45,884,000 | 44,774,000 | 49,576,000 | 52,279,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,507,000 | 110,120,000 | 126,258,000 | 123,011,000 |
| Interest-bearing deposits | 92,804,000 | 88,205,000 | 96,682,000 | 93,104,000 |
| Noninterest-bearing deposits | 22,703,000 | 21,915,000 | 29,576,000 | 29,907,000 |
| Equity capital | 18,352,000 | 18,918,000 | 19,106,000 | 17,873,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,263,000 | 2,976,000 | 4,355,000 | 5,743,000 |
| Interest expense | 88,000 | 188,000 | 293,000 | 401,000 |
| Net interest income | 1,175,000 | 2,788,000 | 4,062,000 | 5,342,000 |
| Noninterest income | 135,000 | 227,000 | 389,000 | 497,000 |
| Noninterest expense | 1,035,000 | 1,963,000 | 2,878,000 | 3,797,000 |
| Provision for loan losses | 15,000 | 30,000 | 113,000 | 128,000 |
| Pretax income | 260,000 | 1,022,000 | 1,460,000 | 1,914,000 |
| Income tax | 42,000 | 225,000 | 317,000 | 412,000 |
| Net income | 218,000 | 797,000 | 1,143,000 | 1,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,379,000 | 19,044,000 | 19,467,000 | 17,904,000 |
| Total capital | 19,595,000 | 20,256,000 | 20,710,000 | 19,159,000 |
| Risk-weighted assets | 95,961,000 | 95,675,000 | 98,047,000 | 99,029,000 |