Call reports 2003
HENRY COUNTY BANK — 2003
What HENRY COUNTY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 52,639,000 | 54,332,000 | 53,229,000 | 51,782,000 |
| Total loans | 25,432,000 | 27,042,000 | 26,152,000 | 25,770,000 |
| Allowance for loan losses | 360,000 | 364,000 | 365,000 | 357,000 |
| Securities available for sale | 10,465,000 | 13,498,000 | 13,035,000 | 11,901,000 |
| Securities held to maturity | 4,532,000 | 6,003,000 | 5,998,000 | 6,993,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,619,000 | 45,009,000 | 45,074,000 | 43,221,000 |
| Interest-bearing deposits | 39,203,000 | 39,655,000 | 39,485,000 | 37,777,000 |
| Noninterest-bearing deposits | 5,416,000 | 5,354,000 | 5,589,000 | 5,444,000 |
| Equity capital | 7,510,000 | 7,682,000 | 7,672,000 | 7,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 666,000 | 1,333,000 | 2,004,000 | 2,630,000 |
| Interest expense | 234,000 | 468,000 | 688,000 | 890,000 |
| Net interest income | 432,000 | 865,000 | 1,316,000 | 1,740,000 |
| Noninterest income | 74,000 | 156,000 | 260,000 | 358,000 |
| Noninterest expense | 367,000 | 702,000 | 1,085,000 | 1,423,000 |
| Provision for loan losses | 24,000 | 48,000 | 48,000 | 48,000 |
| Pretax income | 115,000 | 271,000 | 533,000 | 717,000 |
| Income tax | 42,000 | 97,000 | 192,000 | 258,000 |
| Net income | 73,000 | 174,000 | 341,000 | 459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,593,000 | 3,693,000 | 3,861,000 | 3,978,000 |
| Total capital | 3,953,000 | 4,057,000 | 4,226,000 | 4,335,000 |
| Risk-weighted assets | 32,314,000 | 37,273,000 | 36,506,000 | 36,195,000 |