Call reports 2021
STATE BANK OF HERSCHER — 2021
What STATE BANK OF HERSCHER reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 167,229,000 | 161,720,000 | 168,892,000 | 169,536,000 |
| Total loans | 76,385,000 | 74,181,000 | 70,248,000 | 72,493,000 |
| Allowance for loan losses | 2,086,000 | 2,086,000 | 1,928,000 | 1,931,000 |
| Securities available for sale | 69,618,000 | 72,034,000 | 72,028,000 | 76,151,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,578,000 | 140,892,000 | 147,673,000 | 148,571,000 |
| Interest-bearing deposits | 109,453,000 | 105,893,000 | 115,291,000 | 112,595,000 |
| Noninterest-bearing deposits | 37,125,000 | 34,999,000 | 32,382,000 | 35,976,000 |
| Equity capital | 19,510,000 | 19,971,000 | 20,321,000 | 19,966,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,103,000 | 2,389,000 | 3,721,000 | 5,019,000 |
| Interest expense | 81,000 | 151,000 | 219,000 | 281,000 |
| Net interest income | 1,022,000 | 2,238,000 | 3,502,000 | 4,738,000 |
| Noninterest income | 153,000 | 393,000 | 533,000 | 664,000 |
| Noninterest expense | 976,000 | 1,936,000 | 2,875,000 | 3,848,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 199,000 | 695,000 | 1,163,000 | 1,557,000 |
| Income tax | 33,000 | 145,000 | 251,000 | 335,000 |
| Net income | 166,000 | 550,000 | 912,000 | 1,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,294,000 | 19,628,000 | 19,918,000 | 20,130,000 |