Call reports 2019
STATE BANK OF HERSCHER — 2019
What STATE BANK OF HERSCHER reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 141,176,000 | 140,367,000 | 146,236,000 | 145,228,000 |
| Total loans | 74,974,000 | 75,880,000 | 77,758,000 | 77,393,000 |
| Allowance for loan losses | 1,911,000 | 1,885,000 | 1,885,000 | 1,774,000 |
| Securities available for sale | 53,079,000 | 51,390,000 | 48,657,000 | 54,742,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,637,000 | 113,938,000 | 125,196,000 | 123,454,000 |
| Interest-bearing deposits | 97,235,000 | 91,763,000 | 102,365,000 | 100,526,000 |
| Noninterest-bearing deposits | 22,402,000 | 22,175,000 | 22,831,000 | 22,928,000 |
| Equity capital | 19,115,000 | 19,897,000 | 20,183,000 | 19,371,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,362,000 | 2,754,000 | 4,170,000 | 5,574,000 |
| Interest expense | 137,000 | 290,000 | 442,000 | 591,000 |
| Net interest income | 1,225,000 | 2,464,000 | 3,728,000 | 4,983,000 |
| Noninterest income | 177,000 | 325,000 | 481,000 | 636,000 |
| Noninterest expense | 938,000 | 1,929,000 | 2,918,000 | 3,981,000 |
| Provision for loan losses | -700,000 | -700,000 | -700,000 | -700,000 |
| Pretax income | 1,164,000 | 1,560,000 | 2,010,000 | 2,365,000 |
| Income tax | 301,000 | 400,000 | 518,000 | 610,000 |
| Net income | 863,000 | 1,160,000 | 1,492,000 | 1,755,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,745,000 | 19,036,000 | 19,346,000 | 18,588,000 |
| Total capital | 19,944,000 | 20,238,000 | 20,564,000 | 19,795,000 |
| Risk-weighted assets | 95,243,000 | 95,510,000 | 96,777,000 | 96,018,000 |